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SBA 7(a) franchise lending portfolio
Brighton Bank
EXCELLENT risk
- Total loans
- 18
- Loan volume
- $14.1M
- Avg loan size
- $782K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.31%
Franchises funded
17
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Golden Corral | 2 | $550K | — |
| Steamatic Carpet Cleaning | 1 | $69K | 0.0% |
| Successories (motivational Pos | 1 | $125K | 0.0% |
| Partyland (retail Party Goods) | 1 | $87K | 0.0% |
| Gymboree | 1 | $127K | 0.0% |
| Subway Sandwich Shop | 1 | $1.0M | 0.0% |
| Chevrolet | 1 | $800K | 0.0% |
| Sureway Worldwide | 1 | $37K | 0.0% |
| Jan-Pro Cleaning Systems | 1 | $18K | 0.0% |
| Days Inn by Wyndham | 1 | $2.4M | 0.0% |
| Bee Hive Homes | 1 | $1.5M | 0.0% |
| Golden Corral | 1 | $570K | 0.0% |
| Checkers Drive-In Restaurant | 1 | $1.0M | 0.0% |
| SwimLabs | 1 | $350K | 0.0% |
| Great Clips | 1 | $5.0M | — |
| Culver's ButterBurgers & Froze | 1 | $316K | 0.0% |
| Five Star Bath Solutions | 1 | $98K | 0.0% |
Lending volume by year
3'95
2'01
1'02
2'09
1'11
3'16
1'19
1'20
1'21
2'22
1'24
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%).