EB
SBA 7(a) franchise lending portfolio
Encore Bank
EXCELLENT risk
- Total loans
- 31
- Loan volume
- $18.1M
- Avg loan size
- $582K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
9.27%
Franchises funded
17
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Blue Kangaroo Packoutz | 7 | $2.6M | 0.0% (low risk) |
| Vital Care | 3 | $2.5M | N/A |
| Crumbl | 3 | $1.2M | 0.0% (low risk) |
| Biggby Coffee | 2 | $860K | N/A |
| Club Pilates | 2 | $1.3M | N/A |
| Servpro | 2 | $3.2M | 0.0% (low risk) |
| Supercuts | 2 | $583K | N/A |
| The Brass Tap | 1 | $760K | 0.0% (low risk) |
| Hotworx | 1 | $318K | 0.0% (low risk) |
| The Boardroom Salon for Men | 1 | $626K | N/A |
| Aqua-Tots Swim Schools | 1 | $460K | 0.0% (low risk) |
| Glo Tanning | 1 | $623K | 0.0% (low risk) |
| College Hunks Hauling Junk | 1 | $142K | N/A |
| Wow Wow Hawaiian Lemonade | 1 | $265K | N/A |
| Smalls Sliders | 1 | $1.4M | N/A |
| Paint Nail Bar | 1 | $662K | N/A |
| Floyd's 99 Barbershop | 1 | $423K | 0.0% (low risk) |
Lending volume by year
2'21
5'22
10'23
5'24
9'25
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 Encore Bank originated?
- 31 loans totaling $18.1M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Encore Bank fund the most?
- The “Top franchise exposures” table above lists the brands Encore 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.