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SBA 7(a) franchise lending portfolio
Equity Bank
GOOD risk
- Total loans
- 108
- Loan volume
- $66.1M
- Avg loan size
- $612K
- Default rate
- 6.3%
- vs 15.4% national avg
Defaults
5
Avg interest
6.29%
Franchises funded
70
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Curves For Women | 6 | $448K | 0.0% |
| Freddy's Frozen Custard & Stea | 5 | $4.9M | 0.0% |
| Petland/Safari Stan's | 5 | $3.9M | 0.0% |
| Culligan Soft Water Service | 4 | $370K | 0.0% |
| Papa Murphy's Take & Bake Pizz | 4 | $614K | 0.0% |
| Scooter's Coffee | 4 | $4.9M | 0.0% |
| Subway Sandwich Shop | 3 | $523K | 0.0% |
| Dripbar | 3 | $565K | 0.0% |
| Amoco (gas Station) | 2 | $307K | 50.0% |
| Dairy Queen | 2 | $450K | 0.0% |
| General Nutrition Center | 2 | $168K | 0.0% |
| Mr. Goodcents Sub' And Pasta | 2 | $263K | 0.0% |
| Little Ceasar's Pizza | 2 | $345K | 0.0% |
| Super 8 | 2 | $3.7M | 0.0% |
| Cheezies Pizza | 2 | $1.6M | 0.0% |
| Little Caesar Pizza | 2 | $258K | 0.0% |
| Firehouse Subs | 2 | $400K | 0.0% |
| Baymont Inn & Suites | 2 | $3.0M | 0.0% |
| Comfort/ Comfort Inn & Suites/ | 2 | $4.7M | 0.0% |
| 100% Chiropractic | 2 | $707K | — |
Lending volume by year
3'92
2
1
4
2
2'99
1
1
1
5
6'04
4
6
1
2
9'11
2
8
3
2
6'16
3
5
1
7
10'22
8
1
2'25
Equity Bank default rate by loan vintage
BrandNational avg
Geographic exposure
447.9%
176.7%
140.0%
120.0%
1133.3%
20.0%
20.0%
10.0%
Portfolio summary
Total funded$66.1M
Defaults5 of 108
Risk tierGOOD
Avg rate6.29%
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%).