EB
SBA 7(a) franchise lending portfolio
Emprise Bank
Risk rating: Average
- Total loans
- 52
- Loan volume
- $18.7M
- Avg loan size
- $359K
- Charge-off rate
- 12.5%
- vs 16.0% national
Charged off
3
Avg interest
6.74%
Franchises funded
33
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| The UPS Store (f/k/a Mail Box | 5 | $2.0M | N/A |
| Orange Theory Fitness | 5 | $2.0M | N/A |
| Restore Hyper Wellness | 4 | $2.1M | N/A |
| HobbyTown | 3 | $717K | N/A |
| Tcby | 2 | $321K | N/A |
| General Nutrition Center | 2 | $457K | N/A |
| Curves For Women | 2 | $198K | N/A |
| Color Glo | 2 | $499K | N/A |
| Qdoba Restaurant Corporation | 2 | $1.3M | N/A |
| Scooter's Coffee | 2 | $1.5M | N/A |
| Mr. Goodcents Sub' And Pasta | 1 | $100K | N/A |
| Tastee Freez | 1 | $284K | N/A |
| Budget Blinds | 1 | $30K | N/A |
| I Can't Believe It's Yogurt | 1 | $176K | N/A |
| Gamble's | 1 | $112K | N/A |
| Marble Slab Creamery | 1 | $405K | N/A |
| Quiznos | 1 | $95K | N/A |
| Steamatic, Inc. | 1 | $750K | N/A |
| Dream Dinners | 1 | $180K | N/A |
| Scooter's Coffeehouse | 1 | $150K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 2 |
| FY1994 | 1 |
| FY1995 | 1 |
| FY1998 | 1 |
| FY1999 | 1 |
| FY2000 | 1 |
| FY2001 | 1 |
| FY2003 | 1 |
| FY2004 | 1 |
| FY2005 | 1 |
| FY2006 | 1 |
| FY2007 | 2 |
| FY2009 | 1 |
| FY2010 | 2 |
| FY2014 | 1 |
| FY2020 | 7 |
| FY2021 | 7 |
| FY2022 | 1 |
| FY2023 | 7 |
| FY2024 | 5 |
| FY2025 | 7 |
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 Emprise Bank originated?
- 52 loans totaling $18.7M. The portfolio carries a 12.5% charge-off rate, earning a “Average” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Emprise Bank's rate of 12.5% is below the national rate.
- 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 Emprise Bank fund the most?
- The “Top franchise exposures” table above lists the brands Emprise 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.