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SBA 7(a) franchise lending portfolio
Emprise Bank
AVERAGE risk
- Total loans
- 52
- Loan volume
- $18.7M
- Avg loan size
- $359K
- Default rate
- 12.5%
- vs 15.4% national avg
Defaults
3
Avg interest
6.74%
Franchises funded
33
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The UPS Store (f/k/a Mail Box | 5 | $2.0M | 0.0% |
| Orange Theory Fitness | 5 | $2.0M | 0.0% |
| Restore Hyper Wellness | 4 | $2.1M | — |
| HobbyTown | 3 | $717K | 0.0% |
| Tcby | 2 | $321K | 50.0% |
| General Nutrition Center | 2 | $457K | 0.0% |
| Curves For Women | 2 | $198K | 50.0% |
| Color Glo | 2 | $499K | — |
| Qdoba Restaurant Corporation | 2 | $1.3M | — |
| Scooter's Coffee | 2 | $1.5M | — |
| Mr. Goodcents Sub' And Pasta | 1 | $100K | 0.0% |
| Tastee Freez | 1 | $284K | 0.0% |
| Budget Blinds | 1 | $30K | 0.0% |
| I Can't Believe It's Yogurt | 1 | $176K | 0.0% |
| Gamble's | 1 | $112K | 0.0% |
| Marble Slab Creamery | 1 | $405K | 100.0% |
| Quiznos | 1 | $95K | 0.0% |
| Steamatic, Inc. | 1 | $750K | 0.0% |
| Dream Dinners | 1 | $180K | 0.0% |
| Scooter's Coffeehouse | 1 | $150K | 0.0% |
Lending volume by year
2'92
1
1
1
1
1'00
1
1
1
1
1'06
2
1
2
1
7'20
7
1
7
5
7'25
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%).