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SBA 7(a) franchise lending portfolio
Border Bank
AVERAGE risk
- Total loans
- 19
- Loan volume
- $4.0M
- Avg loan size
- $210K
- Default rate
- 11.1%
- vs 15.4% national avg
Defaults
2
Avg interest
6.69%
Franchises funded
15
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Mrs. Field's Cookies | 3 | $149K | 0.0% |
| Ben Franklin Store | 2 | $500K | 0.0% |
| Real Deals Homedecor | 2 | $95K | 0.0% |
| Americinn | 1 | $1.0M | 0.0% |
| Papa Murphy's Take & Bake Pizz | 1 | $100K | 0.0% |
| Hardee's Restaurant | 1 | $500K | 0.0% |
| Felicia Lundstrom Agency | 1 | $15K | 100.0% |
| Hardware Hank | 1 | $150K | 0.0% |
| Help-U-Sell (real Estate) | 1 | $25K | 0.0% |
| Panchero's Mexican Grill | 1 | $281K | 0.0% |
| Tuffy Auto Service Center | 1 | $718K | 0.0% |
| Matco Tools (rent Tools) | 1 | $25K | 0.0% |
| Curves For Women | 1 | $72K | 100.0% |
| Clothes Mentor | 1 | $105K | 0.0% |
| Moxie Java - Brand Agreement | 1 | $255K | — |
Lending volume by year
1'95
1'98
1'01
1'03
1'04
1'05
1'06
2'07
1'08
2'09
6'10
1'20
Geographic exposure
129.1%
714.3%
Portfolio summary
Total funded$4.0M
Defaults2 of 19
Risk tierAVERAGE
Avg rate6.69%
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%).