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SBA 7(a) franchise lending portfolio
Branson Bank
CRITICAL risk
- Total loans
- 10
- Loan volume
- $2.9M
- Avg loan size
- $286K
- Default rate
- 50.0%
- vs 15.4% national avg
Defaults
3
Avg interest
6.75%
Franchises funded
6
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| DQ Grill & Chill Operating Agr | 3 | $1.7M | 0.0% |
| Conoco Service Station | 2 | $125K | 100.0% |
| Bingbox - License Agreement | 2 | $200K | — |
| Radio Shack | 1 | $225K | 100.0% |
| Mr. Rooter | 1 | $85K | 0.0% |
| Sir Speedy | 1 | $495K | — |
Lending volume by year
2'01
1'07
1'18
2'19
1'21
1'22
1'24
1'25
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%).