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SBA 7(a) franchise lending portfolio
Encore Bank
EXCELLENT risk
- Total loans
- 31
- Loan volume
- $18.1M
- Avg loan size
- $582K
- Default 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% |
| Vital Care | 3 | $2.5M | — |
| Crumbl | 3 | $1.2M | 0.0% |
| Biggby Coffee | 2 | $860K | — |
| Club Pilates | 2 | $1.3M | — |
| Servpro | 2 | $3.2M | 0.0% |
| Supercuts | 2 | $583K | — |
| The Brass Tap | 1 | $760K | 0.0% |
| Hotworx | 1 | $318K | 0.0% |
| The Boardroom Salon for Men | 1 | $626K | — |
| Aqua-Tots Swim Schools | 1 | $460K | 0.0% |
| Glo Tanning | 1 | $623K | 0.0% |
| College Hunks Hauling Junk | 1 | $142K | — |
| Wow Wow Hawaiian Lemonade | 1 | $265K | — |
| Smalls Sliders | 1 | $1.4M | — |
| Paint Nail Bar | 1 | $662K | — |
| Floyd's 99 Barbershop | 1 | $423K | 0.0% |
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
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%).