EB
SBA 7(a) franchise lending portfolio
Enterprise Bank
GOOD risk
- Total loans
- 48
- Loan volume
- $11.1M
- Avg loan size
- $231K
- Charge-off rate
- 7.1%
- vs 15.4% national avg
Defaults
3
Avg interest
6.48%
Franchises funded
36
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Liberty Tax Service | 4 | $515K | 66.7% (very high risk) |
| Servpro | 3 | $212K | 0.0% (low risk) |
| Alphagraphics, Printshops Of T | 3 | $945K | 0.0% (low risk) |
| Blimpie | 2 | $173K | 0.0% (low risk) |
| Meineke Car Care | 2 | $154K | 0.0% (low risk) |
| Firehouse Subs | 2 | $370K | 0.0% (low risk) |
| Philly Soft Pretzel Factory | 2 | $260K | 0.0% (low risk) |
| Once Upon A Child | 2 | $734K | N/A |
| Five Guys Famous Burgers And F | 1 | $50K | 0.0% (low risk) |
| Great Clips | 1 | $125K | 0.0% (low risk) |
| S.a.r.a.h. Adult Day Care | 1 | $50K | 0.0% (low risk) |
| Meineke (co/Brand W/ Existing | 1 | $480K | 0.0% (low risk) |
| Play It Again Sports (retail S | 1 | $120K | 100.0% (very high risk) |
| Rita's Real Italian Water Ice | 1 | $70K | 0.0% (low risk) |
| AAMCO Transmissions | 1 | $100K | 0.0% (low risk) |
| Zuzu's Handmade Mexican Food | 1 | $40K | 0.0% (low risk) |
| Cottman Transmission | 1 | $82K | 0.0% (low risk) |
| Pirtek Usa | 1 | $400K | 0.0% (low risk) |
| Travelodge | 1 | $65K | 0.0% (low risk) |
| Jimmy John's | 1 | $300K | 0.0% (low risk) |
Lending volume by year
1'96
1'99
1'02
1'03
4'04
6'05
3'06
3'07
2'08
4'09
1'10
6'12
4'13
3'14
1'15
2'17
3'22
1'23
1'25
Enterprise Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$11.1M
Defaults3 of 48
Risk tierGOOD
Avg rate6.48%
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 Enterprise Bank originated?
- 48 loans totaling $11.1M. The portfolio carries a 7.1% charge-off rate, earning a “GOOD” 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 Enterprise Bank fund the most?
- The “Top franchise exposures” table above lists the brands Enterprise 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.