BB
SBA 7(a) franchise lending portfolio
Brighton Bank
EXCELLENT risk
- Total loans
- 18
- Loan volume
- $14.1M
- Avg loan size
- $782K
- Charge-off 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 | N/A |
| Steamatic Carpet Cleaning | 1 | $69K | 0.0% (low risk) |
| Successories (motivational Pos | 1 | $125K | 0.0% (low risk) |
| Partyland (retail Party Goods) | 1 | $87K | 0.0% (low risk) |
| Gymboree | 1 | $127K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $1.0M | 0.0% (low risk) |
| Chevrolet | 1 | $800K | 0.0% (low risk) |
| Sureway Worldwide | 1 | $37K | 0.0% (low risk) |
| Jan-Pro Cleaning Systems | 1 | $18K | 0.0% (low risk) |
| Days Inn by Wyndham | 1 | $2.4M | 0.0% (low risk) |
| Bee Hive Homes | 1 | $1.5M | 0.0% (low risk) |
| Golden Corral | 1 | $570K | 0.0% (low risk) |
| Checkers Drive-In Restaurant | 1 | $1.0M | 0.0% (low risk) |
| SwimLabs | 1 | $350K | 0.0% (low risk) |
| Great Clips | 1 | $5.0M | N/A |
| Culver's ButterBurgers & Froze | 1 | $316K | 0.0% (low risk) |
| Five Star Bath Solutions | 1 | $98K | 0.0% (low risk) |
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
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 Brighton Bank originated?
- 18 loans totaling $14.1M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Brighton Bank fund the most?
- The “Top franchise exposures” table above lists the brands Brighton Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.