BL
SBA 7(a) franchise lending portfolio
Business Loan Center, LLC
Risk rating: High Risk
- Total loans
- 455
- Loan volume
- $383.3M
- Avg loan size
- $842K
- Charge-off rate
- 26.4%
- vs 16.0% national
Charged off
120
Avg interest
N/A
Franchises funded
132
Risk rating
High Risk
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Days Inn | 50 | $54.9M | 32.0% (high risk) |
| Super 8 Motel | 48 | $51.6M | 20.8% (high risk) |
| Ramada Inn | 23 | $25.8M | 30.4% (high risk) |
| Best Western Inn | 21 | $19.7M | 19.0% (elevated) |
| Econo Lodge Motel | 20 | $16.1M | 25.0% (high risk) |
| Howard Johnson | 17 | $19.8M | 23.5% (high risk) |
| Knights Inn | 15 | $11.6M | 53.3% (high risk) |
| Travelodge | 14 | $13.9M | 28.6% (high risk) |
| Subway Sandwich Shop | 11 | $2.7M | 9.1% (good) |
| Sunoco Service Station | 8 | $6.6M | N/A |
| Choice Hotels International In | 8 | $9.8M | N/A |
| Blimpie | 7 | $4.8M | N/A |
| Quality Inn | 6 | $5.7M | N/A |
| Scottish Inns | 6 | $4.4M | N/A |
| Americas Best Value Inn (f/K/A | 6 | $6.9M | N/A |
| Meineke Car Care | 5 | $2.0M | N/A |
| Comfort Inn | 5 | $5.7M | N/A |
| Villager Lodge | 5 | $4.4M | N/A |
| Mobil Oil (stations) | 5 | $3.0M | N/A |
| Country Hearth Inn | 5 | $3.7M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 10 |
| FY1993 | 13 |
| FY1994 | 13 |
| FY1995 | 16 |
| FY1996 | 22 |
| FY1997 | 27 |
| FY1998 | 46 |
| FY1999 | 43 |
| FY2000 | 44 |
| FY2001 | 43 |
| FY2002 | 62 |
| FY2003 | 27 |
| FY2004 | 24 |
| FY2005 | 34 |
| FY2006 | 16 |
| FY2007 | 11 |
| FY2008 | 4 |
SBA 7(a) · charge-off rate by approval year
Business Loan Center, LLC: above all franchise loans in 10 of 15 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 9 | 0 | Too few |
| 1993 | 13 | 2 | 15.4% |
| 1994 | 13 | 1 | 7.7% |
| 1995 | 16 | 1 | 6.2% |
| 1996 | 22 | 2 | 9.1% |
| 1997 | 27 | 8 | 29.6% |
| 1998 | 46 | 13 | 28.3% |
| 1999 | 43 | 9 | 20.9% |
| 2000 | 44 | 15 | 34.1% |
| 2001 | 43 | 15 | 34.9% |
| 2002 | 62 | 16 | 25.8% |
| 2003 | 27 | 7 | 25.9% |
| 2004 | 24 | 9 | 37.5% |
| 2005 | 34 | 7 | 20.6% |
| 2006 | 16 | 9 | 56.2% |
| 2007 | 11 | 4 | 36.4% |
| 2008 | 4 | 2 | Too few |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
7123.9% (high risk)
4222.0% (high risk)
4124.4% (high risk)
2626.9% (high risk)
2339.1% (high risk)
1838.9% (high risk)
1735.3% (high risk)
1520.0% (high risk)
1428.6% (high risk)
1414.3% (average)
Portfolio summary
Total funded$383.3M
Charged off120 of 455
Risk tierHigh Risk
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 Business Loan Center, LLC originated?
- 455 loans totaling $383.3M. The portfolio carries a 26.4% charge-off rate, earning a “High Risk” 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. Business Loan Center, LLC's rate of 26.4% is above 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 Business Loan Center, LLC fund the most?
- The “Top franchise exposures” table above lists the brands Business Loan Center, LLC has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.