ED
SBA 7(a) franchise lending portfolio
Economic Development Bank for Puerto Rico
ELEVATED risk
- Total loans
- 30
- Loan volume
- $8.1M
- Avg loan size
- $271K
- Charge-off rate
- 19.2%
- vs 15.4% national avg
Defaults
5
Avg interest
6.17%
Franchises funded
21
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Taco Maker | 5 | $762K | 20.0% (very high risk) |
| The Taco Maker | 3 | $854K | 0.0% (low risk) |
| Quiznos | 2 | $674K | 100.0% (very high risk) |
| Maggiemoo's (ice Cream) | 2 | $565K | 50.0% (very high risk) |
| Marco's Pizza | 2 | $489K | 0.0% (low risk) |
| Post Net | 1 | $145K | 100.0% (very high risk) |
| Subway Sandwich Shop | 1 | $167K | 0.0% (low risk) |
| Chester Fried Chicken | 1 | $71K | 100.0% (very high risk) |
| Origami Sushi | 1 | $140K | 0.0% (low risk) |
| Vom Fass | 1 | $380K | 0.0% (low risk) |
| Villa Pizza | 1 | $359K | 0.0% (low risk) |
| 5aSec | 1 | $151K | 0.0% (low risk) |
| Crunch Health Club | 1 | $1.5M | 0.0% (low risk) |
| Yogen Fruz | 1 | $200K | 0.0% (low risk) |
| Marco's Pizza | 1 | $332K | N/A |
| Pasta To Go | 1 | $138K | 0.0% (low risk) |
| Bad Ass Coffee Company (the) | 1 | $200K | 0.0% (low risk) |
| CrepeMaker | 1 | $330K | 0.0% (low risk) |
| Freshii | 1 | $250K | 0.0% (low risk) |
| Wings & Fries Co. | 1 | $136K | N/A |
Lending volume by year
1'00
1'02
1'06
1'10
7'11
3'12
3'13
2'14
5'15
2'16
1'17
1'19
1'25
1'26
Economic Development Bank for Puerto Rico charge-off rate by loan vintage
BrandNational avg
Geographic exposure
3019.2% (high risk)
Portfolio summary
Total funded$8.1M
Defaults5 of 30
Risk tierELEVATED
Avg rate6.17%
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 Economic Development Bank for Puerto Rico originated?
- 30 loans totaling $8.1M. The portfolio carries a 19.2% 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 Economic Development Bank for Puerto Rico fund the most?
- The “Top franchise exposures” table above lists the brands Economic Development Bank for Puerto Rico has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.