SBA 7(a) franchise lending portfolio
Byline Bank
- Total loans
- 944
- Loan volume
- $925.7M
- Avg loan size
- $981K
- Charge-off rate
- 16.3%
- vs 16.0% national
Charged off
83
Avg interest
7.55%
Franchises funded
441
Risk rating
Elevated
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Ameriprise Financial | 59 | $56.5M | 0.0% (excellent) |
| Subway | 17 | $4.4M | 23.5% (high risk) |
| The Learning Experience | 14 | $6.7M | N/A |
| Merry Maids | 13 | $6.8M | 9.1% (good) |
| Dunkin' Donuts | 10 | $11.9M | N/A |
| Dickey's Barbecue Pit | 10 | $3.8M | 40.0% (high risk) |
| Allstate Home Inspection And E | 10 | $4.5M | N/A |
| Papa John's | 9 | $5.9M | N/A |
| Mountain Mike's Pizza | 9 | $6.8M | N/A |
| Jeremiah's Italian Ice | 9 | $2.8M | N/A |
| Skyzone | 8 | $11.0M | N/A |
| Altitude Trampoline Park | 7 | $15.0M | N/A |
| Culver's | 7 | $7.2M | N/A |
| Go! Grocer Management - Consul | 7 | $3.3M | N/A |
| Wendy's | 7 | $9.1M | N/A |
| Venture X | 7 | $10.0M | N/A |
| Dunkin Donuts | 6 | $2.8M | N/A |
| Super 8 | 6 | $6.3M | N/A |
| Popeyes Louisiana Kitchen | 6 | $3.5M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1993 | 1 |
| FY1994 | 1 |
| FY1995 | 1 |
| FY1996 | 1 |
| FY1997 | 1 |
| FY2000 | 1 |
| FY2002 | 4 |
| FY2003 | 4 |
| FY2004 | 4 |
| FY2005 | 5 |
| FY2006 | 1 |
| FY2007 | 11 |
| FY2008 | 1 |
| FY2009 | 1 |
| FY2010 | 2 |
| FY2011 | 5 |
| FY2012 | 9 |
| FY2013 | 29 |
| FY2014 | 37 |
| FY2015 | 77 |
| FY2016 | 80 |
| FY2017 | 56 |
| FY2018 | 70 |
| FY2019 | 69 |
| FY2020 | 62 |
| FY2021 | 101 |
| FY2022 | 66 |
| FY2023 | 77 |
| FY2024 | 54 |
| FY2025 | 103 |
| FY2026 | 10 |
SBA 7(a) · charge-off rate by approval year
Byline Bank: above all franchise loans in 7 of 12 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 |
|---|---|---|---|
| 2002 | 4 | 1 | Too few |
| 2003 | 4 | 1 | Too few |
| 2004 | 4 | 2 | Too few |
| 2005 | 5 | 1 | Too few |
| 2007 | 10 | 2 | 20.0% |
| 2011 | 5 | 0 | Too few |
| 2012 | 9 | 0 | Too few |
| 2013 | 29 | 4 | 13.8% |
| 2014 | 37 | 6 | 16.2% |
| 2015 | 74 | 25 | 33.8% |
| 2016 | 61 | 14 | 23.0% |
| 2017 | 42 | 9 | 21.4% |
| 2018 | 51 | 7 | 13.7% |
| 2019 | 39 | 5 | 12.8% |
| 2020 | 39 | 3 | 7.7% |
| 2021 | 46 | 2 | 4.3% |
| 2022 | 18 | 0 | 0.0% |
| 2023 | 14 | 0 | 0.0% |
| 2024 | 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 Byline Bank originated?
- 944 loans totaling $925.7M. The portfolio carries a 16.3% charge-off rate, earning a “Elevated” 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. Byline Bank's rate of 16.3% is near 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 Byline Bank fund the most?
- The “Top franchise exposures” table above lists the brands Byline Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.