BM
SBA 7(a) franchise lending portfolio
BNY Mellon, National Association
GOOD risk
- Total loans
- 20
- Loan volume
- $2.1M
- Avg loan size
- $104K
- Charge-off rate
- 5.0%
- vs 15.4% national avg
Defaults
1
Avg interest
N/A
Franchises funded
15
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Signs By Tomorrow | 3 | $209K | 0.0% (low risk) |
| Medicap Pharmacy | 2 | $138K | 0.0% (low risk) |
| Mobil Auto Restoration Service | 2 | $72K | 0.0% (low risk) |
| Agway | 2 | $495K | 0.0% (low risk) |
| Snap-On-Tools | 1 | $55K | 0.0% (low risk) |
| West Coast Video | 1 | $170K | 0.0% (low risk) |
| Servicemaster | 1 | $50K | 0.0% (low risk) |
| Bike Line | 1 | $125K | 0.0% (low risk) |
| Logan Farms Honey Glazed Hams | 1 | $214K | 100.0% (very high risk) |
| Georgia Carpet Outlets | 1 | $200K | 0.0% (low risk) |
| Rita's Real Italian Water Ice | 1 | $50K | 0.0% (low risk) |
| Auntie Ann's (soft Pretzels) | 1 | $100K | 0.0% (low risk) |
| Padgett Business Service | 1 | $37K | 0.0% (low risk) |
| Paul W. Davis Systems | 1 | $75K | 0.0% (low risk) |
| Sylvan Learning Center | 1 | $95K | 0.0% (low risk) |
Lending volume by year
3'93
3'94
7'95
2'96
4'97
1'99
BNY Mellon, National Association charge-off rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$2.1M
Defaults1 of 20
Risk tierGOOD
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Charge-off rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Risk ratings: Excellent (<5%), Good (5-10%), Average (10-15%), Elevated (15-20%), High Risk (>20%).
Frequently asked questions
- How many SBA 7(a) franchise loans has BNY Mellon, National Association originated?
- 20 loans totaling $2.1M. The portfolio carries a 5.0% charge-off rate, earning a “GOOD” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- Where does this lending data come from?
- SBA 7(a) loan records released under the Freedom of Information Act. Each record carries approval date, amount, lender, business type, NAICS code, location, and outcome. See methodology.
- Which franchise brands does BNY Mellon, National Association fund the most?
- The “Top franchise exposures” table above lists the brands BNY Mellon, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.