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SBA 7(a) franchise lending portfolio
Byline Bank
ELEVATED risk
- Total loans
- 944
- Loan volume
- $925.7M
- Avg loan size
- $981K
- Default rate
- 16.3%
- vs 15.4% national avg
Defaults
83
Avg interest
7.55%
Franchises funded
441
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Ameriprise Financial | 59 | $56.5M | 0.0% |
| The Learning Experience | 14 | $6.7M | 0.0% |
| Merry Maids | 13 | $6.8M | 9.1% |
| Dunkin' Donuts | 10 | $11.9M | 0.0% |
| Dickey's Barbecue Pit | 10 | $3.8M | 40.0% |
| Subway | 10 | $2.9M | 40.0% |
| Allstate Home Inspection And E | 10 | $4.5M | — |
| Papa John's | 9 | $5.9M | 0.0% |
| Mountain Mike's Pizza | 9 | $6.8M | 0.0% |
| Jeremiah's Italian Ice | 9 | $2.8M | 0.0% |
| Skyzone | 8 | $11.0M | 50.0% |
| Subway Sandwich Shop | 7 | $1.5M | 0.0% |
| Altitude Trampoline Park | 7 | $15.0M | 100.0% |
| Culver's | 7 | $7.2M | 0.0% |
| Go! Grocer Management - Consul | 7 | $3.3M | 33.3% |
| Wendy's | 7 | $9.1M | 0.0% |
| Venture X | 7 | $10.0M | 0.0% |
| Dunkin Donuts | 6 | $2.8M | 0.0% |
| Super 8 | 6 | $6.3M | 0.0% |
| Popeyes Louisiana Kitchen | 6 | $3.5M | 0.0% |
Lending volume by year
1'93
1
1
1
1
1'00
4
4
4
5
1'06
11
1
1
2
5'11
9
29
37
77
80'16
56
70
69
62
101'21
66
77
54
103
10'26
Byline Bank default rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default 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%), Critical (>20%).