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SBA 7(a) franchise lending portfolio
Enterprise Bank
GOOD risk
- Total loans
- 48
- Loan volume
- $11.1M
- Avg loan size
- $231K
- Default 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% |
| Servpro | 3 | $212K | 0.0% |
| Alphagraphics, Printshops Of T | 3 | $945K | 0.0% |
| Blimpie | 2 | $173K | 0.0% |
| Meineke Car Care | 2 | $154K | 0.0% |
| Firehouse Subs | 2 | $370K | 0.0% |
| Philly Soft Pretzel Factory | 2 | $260K | 0.0% |
| Once Upon A Child | 2 | $734K | — |
| Five Guys Famous Burgers And F | 1 | $50K | 0.0% |
| Great Clips | 1 | $125K | 0.0% |
| S.a.r.a.h. Adult Day Care | 1 | $50K | 0.0% |
| Meineke (co/Brand W/ Existing | 1 | $480K | 0.0% |
| Play It Again Sports (retail S | 1 | $120K | 100.0% |
| Rita's Real Italian Water Ice | 1 | $70K | 0.0% |
| AAMCO Transmissions | 1 | $100K | 0.0% |
| Zuzu's Handmade Mexican Food | 1 | $40K | 0.0% |
| Cottman Transmission | 1 | $82K | 0.0% |
| Pirtek Usa | 1 | $400K | 0.0% |
| Travelodge | 1 | $65K | 0.0% |
| Jimmy John's | 1 | $300K | 0.0% |
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 default 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
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%).