SBA 7(a) franchise lending portfolio
Evolve Bank and Trust
- Total loans
- 128
- Loan volume
- $149.9M
- Avg loan size
- $1.2M
- Charge-off rate
- 4.7%
- vs 16.0% national
Charged off
4
Avg interest
6.35%
Franchises funded
86
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Primrose School (daycare) | 16 | $52.3M | N/A |
| Dairy Queen of the Pacific Nor | 9 | $6.0M | N/A |
| Big O Tires | 4 | $4.5M | N/A |
| Goddard Early Learning Center | 3 | $4.4M | N/A |
| Fedex Ground | 3 | $998K | N/A |
| Bee Hive Homes | 3 | $5.4M | N/A |
| Hotworx | 3 | $1.0M | N/A |
| Jiffy Lube | 2 | $2.0M | N/A |
| Doctors Express | 2 | $2.1M | N/A |
| Jason's Deli | 2 | $2.3M | N/A |
| Edible Arrangements | 2 | $1.4M | N/A |
| Line-X | 2 | $741K | N/A |
| Teaspoon | 2 | $773K | N/A |
| redbox+ | 2 | $1.4M | N/A |
| Dog Haus | 2 | $1.2M | N/A |
| Chop Stop | 2 | $866K | N/A |
| Chronic Tacos | 2 | $1.0M | N/A |
| International House Of Pancake | 1 | $540K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2010 | 1 |
| FY2011 | 8 |
| FY2012 | 14 |
| FY2013 | 11 |
| FY2014 | 12 |
| FY2015 | 12 |
| FY2016 | 10 |
| FY2017 | 7 |
| FY2018 | 10 |
| FY2019 | 5 |
| FY2020 | 9 |
| FY2021 | 12 |
| FY2022 | 8 |
| FY2023 | 1 |
| FY2024 | 2 |
| FY2025 | 5 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
Evolve Bank and Trust: below all franchise loans in 3 of 4 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2011 | 8 | 0 | Too few |
| 2012 | 12 | 1 | 8.3% |
| 2013 | 11 | 0 | 0.0% |
| 2014 | 12 | 0 | 0.0% |
| 2015 | 11 | 0 | 0.0% |
| 2016 | 7 | 0 | Too few |
| 2017 | 5 | 1 | Too few |
| 2018 | 6 | 1 | Too few |
| 2020 | 4 | 0 | Too early |
| 2021 | 4 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
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 Evolve Bank and Trust originated?
- 128 loans totaling $149.9M. The portfolio carries a 4.7% charge-off rate, earning a “Excellent” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Evolve Bank and Trust's rate of 4.7% is below the national rate.
- 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 Evolve Bank and Trust fund the most?
- The “Top franchise exposures” table above lists the brands Evolve Bank and Trust has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.