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SBA 7(a) franchise lending portfolio
Bonvenu Bank NA
CRITICAL risk
- Total loans
- 10
- Loan volume
- $3.7M
- Avg loan size
- $371K
- Default 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 | — |
| Gymboree | 1 | $150K | 0.0% |
| UPS Store | 1 | $150K | 0.0% |
| Subway Sandwich Shop | 1 | $31K | 0.0% |
| Game Xchange | 1 | $100K | 100.0% |
| Harley Davidson - Motor Cycle | 1 | $2.5M | — |
| Nekter Juice Bar | 1 | $189K | 0.0% |
| Southern Maid Donuts | 1 | $108K | 100.0% |
| Pure Barre | 1 | $266K | — |
Lending volume by year
2'04
1'05
1'06
1'10
2'19
2'23
1'24
Geographic exposure
1033.3%
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
Default 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%), Critical (>20%).