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SBA 7(a) franchise lending portfolio
Central Bank
GOOD risk
- Total loans
- 99
- Loan volume
- $34.9M
- Avg loan size
- $352K
- Default rate
- 6.9%
- vs 15.4% national avg
Defaults
4
Avg interest
7.52%
Franchises funded
73
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Fastsigns | 4 | $1.4M | — |
| Race Trac | 4 | $2.4M | 0.0% |
| Gandolfo's New York Delicatess | 3 | $252K | 0.0% |
| Ogden's Carpet Outlet | 3 | $410K | 0.0% |
| Jersey Mike's | 3 | $1.2M | 0.0% |
| The Yard Milkshake Bar | 3 | $775K | — |
| Dairy Queen | 2 | $530K | 0.0% |
| Cold Stone Creamery, Inc. | 2 | $523K | 0.0% |
| Matco Tools | 2 | $77K | 50.0% |
| Dripbar | 2 | $356K | — |
| Uncle Sharkii Poke Bar | 2 | $649K | — |
| Raining Berries | 2 | $817K | 0.0% |
| Moe's Southwest Grill | 2 | $1.9M | 0.0% |
| Conserva Irrigation | 2 | $460K | — |
| Painter1 | 2 | $632K | — |
| Pier 49 Pizza | 2 | $313K | 0.0% |
| Hotworx | 2 | $433K | 0.0% |
| Renew Medic | 2 | $590K | — |
| Blimpie | 1 | $141K | 0.0% |
| Culligan Soft Water Service | 1 | $250K | 0.0% |
Lending volume by year
2'92
2
2
4
3
3'03
3
2
1
1
1'10
2
3
1
3
2'18
1
8
17
13
10'23
6
5
4'26
Central Bank default rate by loan vintage
BrandNational avg
Geographic exposure
507.1%
268.3%
60.0%
50.0%
520.0%
20.0%
10.0%
10.0%
10.0%
10.0%
Portfolio summary
Total funded$34.9M
Defaults4 of 99
Risk tierGOOD
Avg rate7.52%
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%).