BB
SBA 7(a) franchise lending portfolio
Bonvenu Bank NA
CRITICAL risk
- Total loans
- 10
- Loan volume
- $3.7M
- Avg loan size
- $371K
- Charge-off rate
- 33.3%
- vs 15.4% national avg
Defaults
2
Avg interest
8.00%
Franchises funded
9
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| All Dry | 2 | $222K | N/A |
| Gymboree | 1 | $150K | 0.0% (low risk) |
| UPS Store | 1 | $150K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $31K | 0.0% (low risk) |
| Game Xchange | 1 | $100K | 100.0% (very high risk) |
| Harley Davidson - Motor Cycle | 1 | $2.5M | N/A |
| Nekter Juice Bar | 1 | $189K | 0.0% (low risk) |
| Southern Maid Donuts | 1 | $108K | 100.0% (very high risk) |
| Pure Barre | 1 | $266K | N/A |
Lending volume by year
2'04
1'05
1'06
1'10
2'19
2'23
1'24
Geographic exposure
1033.3% (very high risk)
Portfolio summary
Total funded$3.7M
Defaults2 of 10
Risk tierCRITICAL
Avg rate8.00%
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 Bonvenu Bank NA originated?
- 10 loans totaling $3.7M. The portfolio carries a 33.3% charge-off rate, earning a “CRITICAL” 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 Bonvenu Bank NA fund the most?
- The “Top franchise exposures” table above lists the brands Bonvenu Bank NA has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.