SBA 7(a) franchise lending portfolio
Brookline Bank, a Division of Beacon Bank and Trust
- Total loans
- 457
- Loan volume
- $312.0M
- Avg loan size
- $683K
- Charge-off rate
- 4.7%
- vs 16.0% national
Charged off
14
Avg interest
6.96%
Franchises funded
248
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Orange Theory Fitness | 34 | $5.8M | 0.0% (excellent) |
| Subway Sandwich Shop | 29 | $2.7M | 7.4% (good) |
| Planet Fitness | 8 | $4.5M | N/A |
| Jimmy John's | 7 | $1.1M | N/A |
| Massage Envy | 7 | $2.4M | N/A |
| Kiddie Academy | 6 | $14.8M | N/A |
| Altitude Trampoline Park | 6 | $9.9M | N/A |
| The Simple Greek | 6 | $3.6M | N/A |
| Spenga | 6 | $4.3M | N/A |
| Retro Fitness | 5 | $4.3M | N/A |
| Smash My Trash | 5 | $3.0M | N/A |
| The Great Greek Mediterranean | 5 | $3.9M | N/A |
| Sea Tow | 4 | $570K | N/A |
| Right at Home | 4 | $2.0M | N/A |
| The Learning Experience | 4 | $4.7M | N/A |
| Little Caesar Pizza | 4 | $430K | N/A |
| American Family Care/AFC Urgen | 4 | $3.6M | N/A |
| Urban Air Adventure Park | 4 | $7.7M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 3 |
| FY1994 | 2 |
| FY1995 | 1 |
| FY1996 | 3 |
| FY1997 | 7 |
| FY1998 | 3 |
| FY1999 | 3 |
| FY2000 | 4 |
| FY2001 | 1 |
| FY2002 | 6 |
| FY2003 | 10 |
| FY2004 | 4 |
| FY2005 | 4 |
| FY2006 | 2 |
| FY2007 | 4 |
| FY2008 | 9 |
| FY2009 | 1 |
| FY2010 | 4 |
| FY2011 | 4 |
| FY2012 | 7 |
| FY2013 | 7 |
| FY2014 | 14 |
| FY2015 | 24 |
| FY2016 | 40 |
| FY2017 | 33 |
| FY2018 | 41 |
| FY2019 | 54 |
| FY2020 | 31 |
| FY2021 | 54 |
| FY2022 | 23 |
| FY2023 | 16 |
| FY2024 | 11 |
| FY2025 | 24 |
| FY2026 | 3 |
SBA 7(a) · charge-off rate by approval year
Brookline Bank, a Division of Beacon Bank and Trust: below all franchise loans in each of the 9 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 3 | 0 | Too few |
| 1996 | 3 | 0 | Too few |
| 1997 | 7 | 0 | Too few |
| 1998 | 3 | 1 | Too few |
| 1999 | 3 | 0 | Too few |
| 2000 | 4 | 1 | Too few |
| 2002 | 6 | 0 | Too few |
| 2003 | 10 | 0 | 0.0% |
| 2004 | 4 | 0 | Too few |
| 2005 | 4 | 0 | Too few |
| 2007 | 4 | 0 | Too few |
| 2008 | 9 | 2 | Too few |
| 2010 | 4 | 0 | Too few |
| 2011 | 4 | 0 | Too few |
| 2012 | 7 | 0 | Too few |
| 2013 | 7 | 0 | Too few |
| 2014 | 14 | 0 | 0.0% |
| 2015 | 23 | 0 | 0.0% |
| 2016 | 36 | 4 | 11.1% |
| 2017 | 28 | 2 | 7.1% |
| 2018 | 29 | 0 | 0.0% |
| 2019 | 36 | 2 | 5.6% |
| 2020 | 16 | 0 | 0.0% |
| 2021 | 22 | 0 | 0.0% |
| 2022 | 6 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Brookline Bank, a Division of Beacon Bank and Trust's rate of 4.7% is below the national rate.
- 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.