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SBA 7(a) franchise lending portfolio
Commercial Bank
EXCELLENT risk
- Total loans
- 25
- Loan volume
- $5.5M
- Avg loan size
- $220K
- Default rate
- 4.2%
- vs 15.4% national avg
Defaults
1
Avg interest
5.40%
Franchises funded
17
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 6 | $399K | 0.0% |
| Biggby Coffee | 3 | $634K | 0.0% |
| Edible Arrangements | 2 | $320K | 0.0% |
| Huntington Learning Center | 1 | $25K | 0.0% |
| Sears Catalog Store | 1 | $80K | 0.0% |
| Allegra Print | 1 | $350K | 100.0% |
| Allstate Insurance | 1 | $30K | 0.0% |
| Global Donuts And Deli | 1 | $110K | 0.0% |
| Radio Shack | 1 | $65K | 0.0% |
| Sonic Drive-In | 1 | $200K | 0.0% |
| Big Boy | 1 | $490K | 0.0% |
| Firehouse Subs | 1 | $150K | 0.0% |
| Fantastic Sam's | 1 | $180K | 0.0% |
| Bojangles | 1 | $1.4M | 0.0% |
| Century 21 | 1 | $659K | 0.0% |
| Tailored Living | 1 | $110K | 0.0% |
| Charleys Philly Steaks | 1 | $300K | — |
Lending volume by year
1'95
1'99
2'03
4'04
4'08
1'09
1'10
1'12
1'13
3'14
2'15
1'16
1'17
1'21
1'22
Commercial Bank default rate by loan vintage
BrandNational avg
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%).