BL
SBA 7(a) franchise lending portfolio
Business Loan Center, LLC
CRITICAL risk
- Total loans
- 455
- Loan volume
- $383.3M
- Avg loan size
- $842K
- Charge-off rate
- 26.4%
- vs 15.4% national avg
Defaults
120
Avg interest
N/A
Franchises funded
132
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Days Inn | 50 | $54.9M | 32.0% (very high risk) |
| Super 8 Motel | 48 | $51.6M | 20.8% (very high risk) |
| Ramada Inn | 23 | $25.8M | 30.4% (very high risk) |
| Best Western Inn | 21 | $19.7M | 19.0% (high risk) |
| Econo Lodge Motel | 20 | $16.1M | 25.0% (very high risk) |
| Howard Johnson | 17 | $19.8M | 23.5% (very high risk) |
| Knights Inn | 15 | $11.6M | 53.3% (very high risk) |
| Travelodge | 14 | $13.9M | 28.6% (very high risk) |
| Subway Sandwich Shop | 11 | $2.7M | 9.1% (moderate risk) |
| Sunoco Service Station | 8 | $6.6M | 0.0% (low risk) |
| Choice Hotels International In | 8 | $9.8M | 50.0% (very high risk) |
| Blimpie | 7 | $4.8M | 42.9% (very high risk) |
| Quality Inn | 6 | $5.7M | 33.3% (very high risk) |
| Scottish Inns | 6 | $4.4M | 50.0% (very high risk) |
| Americas Best Value Inn (f/K/A | 6 | $6.9M | 33.3% (very high risk) |
| Meineke Car Care | 5 | $2.0M | 20.0% (very high risk) |
| Comfort Inn | 5 | $5.7M | 20.0% (very high risk) |
| Villager Lodge | 5 | $4.4M | 40.0% (very high risk) |
| Mobil Oil (stations) | 5 | $3.0M | 0.0% (low risk) |
| Country Hearth Inn | 5 | $3.7M | 0.0% (low risk) |
Lending volume by year
10'92
13'93
13'94
16'95
22'96
27'97
46'98
43'99
44'00
43'01
62'02
27'03
24'04
34'05
16'06
11'07
4'08
Business Loan Center, LLC charge-off rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Geographic exposure
7123.9% (very high risk)
4222.0% (very high risk)
4124.4% (very high risk)
2626.9% (very high risk)
2339.1% (very high risk)
1838.9% (very high risk)
1735.3% (very high risk)
1520.0% (very high risk)
1428.6% (very high risk)
1414.3% (elevated risk)
Portfolio summary
Total funded$383.3M
Defaults120 of 455
Risk tierCRITICAL
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 “CRITICAL” 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 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.