DB
SBA 7(a) franchise lending portfolio
Deerwood Bank
GOOD risk
- Total loans
- 17
- Loan volume
- $4.7M
- Avg loan size
- $275K
- Charge-off rate
- 7.7%
- vs 15.4% national avg
Defaults
1
Avg interest
5.70%
Franchises funded
15
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Green Mill | 2 | $275K | 0.0% (low risk) |
| Do it Best – Membership Agreem | 2 | $267K | N/A |
| Hometeam Inspection Service, I | 1 | $32K | 0.0% (low risk) |
| Domino's Pizza | 1 | $150K | 0.0% (low risk) |
| Checkers Drive-In Restaurant | 1 | $150K | 100.0% (very high risk) |
| UPS Store | 1 | $220K | 0.0% (low risk) |
| Pearle Vision Center | 1 | $300K | 0.0% (low risk) |
| Curves For Women | 1 | $49K | 0.0% (low risk) |
| Ace Hardware | 1 | $350K | 0.0% (low risk) |
| Anytime Fitness | 1 | $310K | 0.0% (low risk) |
| Papa Murphy's | 1 | $200K | 0.0% (low risk) |
| Bonanza Steakhouse | 1 | $265K | 0.0% (low risk) |
| Tesoro | 1 | $124K | N/A |
| Security 101 | 1 | $200K | 0.0% (low risk) |
| General Motors, LLC (Chevrolet | 1 | $1.8M | N/A |
Lending volume by year
1'96
1'99
1'00
1'02
1'05
1'07
1'12
3'13
2'14
1'15
1'20
3'22
Geographic exposure
177.7% (moderate risk)
Portfolio summary
Total funded$4.7M
Defaults1 of 17
Risk tierGOOD
Avg rate5.70%
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 Deerwood Bank originated?
- 17 loans totaling $4.7M. The portfolio carries a 7.7% charge-off rate, earning a “GOOD” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- 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 Deerwood Bank fund the most?
- The “Top franchise exposures” table above lists the brands Deerwood 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.