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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
- Default 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% |
| The Taco Maker | 3 | $854K | 0.0% |
| Quiznos | 2 | $674K | 100.0% |
| Maggiemoo's (ice Cream) | 2 | $565K | 50.0% |
| Marco's Pizza | 2 | $489K | 0.0% |
| Post Net | 1 | $145K | 100.0% |
| Subway Sandwich Shop | 1 | $167K | 0.0% |
| Chester Fried Chicken | 1 | $71K | 100.0% |
| Origami Sushi | 1 | $140K | 0.0% |
| Vom Fass | 1 | $380K | 0.0% |
| Villa Pizza | 1 | $359K | 0.0% |
| 5aSec | 1 | $151K | 0.0% |
| Crunch Health Club | 1 | $1.5M | 0.0% |
| Yogen Fruz | 1 | $200K | 0.0% |
| Marco's Pizza | 1 | $332K | — |
| Pasta To Go | 1 | $138K | 0.0% |
| Bad Ass Coffee Company (the) | 1 | $200K | 0.0% |
| CrepeMaker | 1 | $330K | 0.0% |
| Freshii | 1 | $250K | 0.0% |
| Wings & Fries Co. | 1 | $136K | — |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
3019.2%
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
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%).