BB
SBA 7(a) franchise lending portfolio
Brookline Bank, a Division of Beacon Bank and Trust
EXCELLENT risk
- Total loans
- 457
- Loan volume
- $312.0M
- Avg loan size
- $683K
- Charge-off rate
- 4.7%
- vs 15.4% national avg
Defaults
14
Avg interest
6.96%
Franchises funded
248
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Orange Theory Fitness | 30 | $4.7M | 0.0% (low risk) |
| Subway Sandwich Shop | 18 | $1.8M | 5.6% (moderate risk) |
| Subway | 11 | $896K | 11.1% (elevated risk) |
| Planet Fitness | 8 | $4.5M | 0.0% (low risk) |
| Jimmy John's | 7 | $1.1M | 0.0% (low risk) |
| Massage Envy | 7 | $2.4M | 0.0% (low risk) |
| Kiddie Academy | 6 | $14.8M | 0.0% (low risk) |
| Altitude Trampoline Park | 6 | $9.9M | 0.0% (low risk) |
| The Simple Greek | 6 | $3.6M | 50.0% (very high risk) |
| Spenga | 6 | $4.3M | N/A |
| Retro Fitness | 5 | $4.3M | 0.0% (low risk) |
| Smash My Trash | 5 | $3.0M | 0.0% (low risk) |
| The Great Greek Mediterranean | 5 | $3.9M | 0.0% (low risk) |
| Sea Tow | 4 | $570K | 0.0% (low risk) |
| Right at Home | 4 | $2.0M | 0.0% (low risk) |
| Orange Theory Fitness | 4 | $1.1M | 0.0% (low risk) |
| The Learning Experience | 4 | $4.7M | 0.0% (low risk) |
| Little Caesar Pizza | 4 | $430K | 0.0% (low risk) |
| American Family Care/AFC Urgen | 4 | $3.6M | 0.0% (low risk) |
| Urban Air Adventure Park | 4 | $7.7M | 0.0% (low risk) |
Lending volume by year
3'92
2
1
3
7
3'98
3
4
1
6
10'03
4
4
2
4
9'08
1
4
4
7
7'13
14
24
40
33
41'18
54
31
54
23
16'23
11
24
3'26
Brookline Bank, a Division of Beacon Bank and Trust charge-off rate by loan vintage
BrandNational avg
Geographic exposure
675.8% (moderate risk)
558.6% (moderate risk)
364.0% (low risk)
356.1% (moderate risk)
280.0% (low risk)
280.0% (low risk)
270.0% (low risk)
210.0% (low risk)
215.6% (moderate risk)
160.0% (low risk)
Portfolio summary
Total funded$312.0M
Defaults14 of 457
Risk tierEXCELLENT
Avg rate6.96%
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 Brookline Bank, a Division of Beacon Bank and Trust originated?
- 457 loans totaling $312.0M. The portfolio carries a 4.7% 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 Brookline Bank, a Division of Beacon Bank and Trust fund the most?
- The “Top franchise exposures” table above lists the brands Brookline Bank, a Division of Beacon Bank and Trust has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.