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SBA 7(a) franchise lending portfolio
Centerstone SBA Lending, Inc.
EXCELLENT risk
- Total loans
- 112
- Loan volume
- $200.1M
- Avg loan size
- $1.8M
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
7.64%
Franchises funded
55
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The UPS Store (f/k/a Mail Box | 15 | $6.7M | 0.0% |
| Days Inn by Wyndham | 7 | $18.1M | — |
| Super 8 by Wyndhan | 7 | $18.5M | 0.0% |
| Best Western - Membership Agre | 6 | $16.6M | 0.0% |
| Subway | 5 | $2.2M | 0.0% |
| Motel 6 | 5 | $13.2M | 0.0% |
| Baymont by Wyndham aka Baymont | 4 | $12.8M | 0.0% |
| Wetzel's Pretzels | 3 | $607K | — |
| Comfort Inn by Choice Hotels/C | 3 | $6.5M | 0.0% |
| SureStay | 3 | $7.9M | 0.0% |
| Tous Les Jours | 3 | $5.9M | — |
| The Pizza Press | 2 | $960K | 0.0% |
| Quality Inn by Choice Hotels / | 2 | $5.1M | 0.0% |
| Wingstop | 2 | $975K | 0.0% |
| SC Fuels - Southern Counties O | 2 | $3.5M | 0.0% |
| Country Inn & Suites by Radiss | 2 | $8.5M | — |
| Firehouse Subs | 2 | $890K | — |
| Red Roof Inn | 2 | $5.5M | — |
| Charleys Philly Steaks | 1 | $220K | 0.0% |
| Hurricane Burgers Tacos Wings/ | 1 | $200K | 0.0% |
Lending volume by year
3'16
4'17
13'18
11'19
2'20
20'21
8'22
12'23
5'24
29'25
5'26
Centerstone SBA Lending, Inc. default rate by loan vintage
BrandNational avg
Geographic exposure
190.0%
190.0%
70.0%
70.0%
50.0%
50.0%
50.0%
50.0%
50.0%
40.0%
Portfolio summary
Total funded$200.1M
Defaults0 of 112
Risk tierEXCELLENT
Avg rate7.64%
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%).