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SBA 7(a) franchise lending portfolio
Enterprise Bank & Trust
GOOD risk
- Total loans
- 387
- Loan volume
- $547.8M
- Avg loan size
- $1.4M
- Default rate
- 6.5%
- vs 15.4% national avg
Defaults
15
Avg interest
6.45%
Franchises funded
233
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quality Inn by Choice Hotels / | 19 | $47.6M | 0.0% |
| Subway Sandwich Shop | 7 | $2.2M | 0.0% |
| Buffalo Wild Wings (f/K/A Bw-3 | 6 | $2.7M | 0.0% |
| Shell Service Station | 6 | $6.2M | 0.0% |
| Motel 6 | 6 | $22.6M | 0.0% |
| Comfort Inn by Choice Hotels/C | 6 | $14.9M | 0.0% |
| Best Western - Membership Agre | 6 | $19.5M | 0.0% |
| Days Inn | 5 | $8.6M | 0.0% |
| Days Inn by Wyndham | 5 | $9.1M | 66.7% |
| Econo Lodge by Choice Hotels/E | 5 | $13.6M | 0.0% |
| Red Roof Inn | 5 | $9.8M | 0.0% |
| Sunoco, LLC (Various Brands) F | 5 | $5.3M | 0.0% |
| Baskin-Robbins 31 Ice Cream | 4 | $566K | 25.0% |
| Submarina Sandwiches | 4 | $637K | 25.0% |
| Motel 6 | 4 | $6.9M | 0.0% |
| Valero | 4 | $4.1M | 0.0% |
| Chevron (gas Station) | 4 | $7.0M | 0.0% |
| Super 8 by Wyndhan | 4 | $11.5M | 0.0% |
| La Quinta by Wyndham a.k.a. La | 4 | $16.9M | — |
| Baymont by Wyndham aka Baymont | 4 | $7.4M | — |
Lending volume by year
4'92
2
9
7
4
8'97
3
2
5
1
4'02
1
1
6
5
6'07
4
1
3
8
8'12
11
14
29
26
26'17
18
28
32
21
15'22
25
14
26
10'26
Enterprise Bank & Trust default rate by loan vintage
BrandNational avg
Geographic exposure
1216.9%
540.0%
376.1%
3412.9%
2421.4%
140.0%
140.0%
130.0%
90.0%
80.0%
Portfolio summary
Total funded$547.8M
Defaults15 of 387
Risk tierGOOD
Avg rate6.45%
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%).