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SBA 7(a) franchise lending portfolio
EagleBank
ELEVATED risk
- Total loans
- 65
- Loan volume
- $25.8M
- Avg loan size
- $397K
- Charge-off rate
- 16.7%
- vs 15.4% national avg
Defaults
10
Avg interest
6.19%
Franchises funded
47
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Baja Fresh Mexican Grill | 5 | $3.9M | 40.0% (very high risk) |
| Jimmy John's | 4 | $1.6M | 25.0% (very high risk) |
| Ledo Pizza | 3 | $554K | 66.7% (very high risk) |
| Mathnasium Learning Centers | 3 | $370K | 0.0% (low risk) |
| Greene Turtle | 2 | $1.3M | 0.0% (low risk) |
| Sterling Optical | 2 | $1.4M | 50.0% (very high risk) |
| Mcdonald's | 2 | $350K | 0.0% (low risk) |
| Subway Sandwich Shop | 2 | $433K | 0.0% (low risk) |
| Tous Les Jours | 2 | $1.2M | 0.0% (low risk) |
| You've Got MAIDS | 2 | $250K | 0.0% (low risk) |
| Salon Professional Academy | 2 | $550K | 0.0% (low risk) |
| Manhattan Bagel Co. | 1 | $467K | 0.0% (low risk) |
| Kohr Bros Frozen Custard | 1 | $765K | 0.0% (low risk) |
| Ucc Total Home | 1 | $150K | 100.0% (very high risk) |
| Rita's Real Italian Water Ice | 1 | $172K | 0.0% (low risk) |
| Quiznos | 1 | $400K | 100.0% (very high risk) |
| Little Gym | 1 | $150K | 0.0% (low risk) |
| Rent-A-Wreck (car Rental) | 1 | $245K | 0.0% (low risk) |
| Texaco Service Station | 1 | $460K | 0.0% (low risk) |
| Jerry's Sub Shop | 1 | $100K | 100.0% (very high risk) |
Lending volume by year
1'98
1'99
1'01
2'02
2'03
7'05
3'06
2'08
3'10
1'11
1'12
6'13
6'14
6'15
6'16
3'17
7'18
4'19
3'21
EagleBank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
2812.0% (elevated risk)
2516.7% (high risk)
1130.0% (very high risk)
10.0% (low risk)
Portfolio summary
Total funded$25.8M
Defaults10 of 65
Risk tierELEVATED
Avg rate6.19%
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 EagleBank originated?
- 65 loans totaling $25.8M. The portfolio carries a 16.7% charge-off rate, earning a “ELEVATED” 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 EagleBank fund the most?
- The “Top franchise exposures” table above lists the brands EagleBank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.