DC
SBA 7(a) franchise lending portfolio
Dime Community Bank
CRITICAL risk
- Total loans
- 29
- Loan volume
- $24.3M
- Avg loan size
- $837K
- Charge-off rate
- 35.7%
- vs 15.4% national avg
Defaults
5
Avg interest
6.97%
Franchises funded
25
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Stretch Lab | 3 | $907K | N/A |
| Unishippers | 2 | $475K | 0.0% (low risk) |
| Checkers | 2 | $2.4M | 0.0% (low risk) |
| AAMCO Transmissions | 1 | $150K | 100.0% (very high risk) |
| Curves For Women | 1 | $175K | 100.0% (very high risk) |
| Dr. Nick's Transmissions | 1 | $100K | 100.0% (very high risk) |
| CoreLife Eatery | 1 | $1.2M | N/A |
| Dairy Queen Grill & Chill/Texa | 1 | $2.1M | N/A |
| Moe's Southwest Grill | 1 | $670K | 100.0% (very high risk) |
| Tropical Smoothie Cafe | 1 | $335K | 0.0% (low risk) |
| Uni K Wax Center | 1 | $699K | N/A |
| Passport Inn/Passport Inn & Su | 1 | $2.0M | N/A |
| Signarama | 1 | $25K | 0.0% (low risk) |
| Fedex Ground | 1 | $525K | N/A |
| Moe's Sw Grill | 1 | $1.8M | 0.0% (low risk) |
| Crunch | 1 | $2.1M | N/A |
| KFC | 1 | $653K | 0.0% (low risk) |
| Executive Care Your Home Care | 1 | $345K | 100.0% (very high risk) |
| Five Guys Burgers and Fries | 1 | $3.4M | 0.0% (low risk) |
| Wing Zone | 1 | $588K | N/A |
Lending volume by year
3'06
1'11
1'12
1'13
1'14
1'15
3'16
1'17
2'18
2'19
4'20
3'21
3'22
3'23
Geographic exposure
Portfolio summary
Total funded$24.3M
Defaults5 of 29
Risk tierCRITICAL
Avg rate6.97%
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 Dime Community Bank originated?
- 29 loans totaling $24.3M. The portfolio carries a 35.7% charge-off rate, earning a “CRITICAL” 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 Dime Community Bank fund the most?
- The “Top franchise exposures” table above lists the brands Dime Community 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.