EB
SBA 7(a) franchise lending portfolio
Evolve Bank and Trust
EXCELLENT risk
- Total loans
- 128
- Loan volume
- $149.9M
- Avg loan size
- $1.2M
- Charge-off rate
- 4.7%
- vs 15.4% national avg
Defaults
4
Avg interest
6.35%
Franchises funded
86
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Primrose School (daycare) | 9 | $25.8M | 0.0% (low risk) |
| Primrose Schools | 7 | $26.5M | 0.0% (low risk) |
| Dairy Queen of the Pacific Nor | 7 | $3.9M | 0.0% (low risk) |
| Big O Tires | 4 | $4.5M | 0.0% (low risk) |
| Goddard Early Learning Center | 3 | $4.4M | 0.0% (low risk) |
| Fedex Ground | 3 | $998K | 0.0% (low risk) |
| Bee Hive Homes | 3 | $5.4M | 0.0% (low risk) |
| Hotworx | 3 | $1.0M | 0.0% (low risk) |
| Dairy Queen | 2 | $2.1M | 0.0% (low risk) |
| Jiffy Lube | 2 | $2.0M | 0.0% (low risk) |
| Doctors Express | 2 | $2.1M | 0.0% (low risk) |
| Jason's Deli | 2 | $2.3M | 0.0% (low risk) |
| Edible Arrangements | 2 | $1.4M | 0.0% (low risk) |
| Line-X | 2 | $741K | N/A |
| Teaspoon | 2 | $773K | 50.0% (very high risk) |
| redbox+ | 2 | $1.4M | N/A |
| Dog Haus | 2 | $1.2M | 0.0% (low risk) |
| Chop Stop | 2 | $866K | 0.0% (low risk) |
| Chronic Tacos | 2 | $1.0M | N/A |
| International House Of Pancake | 1 | $540K | 0.0% (low risk) |
Lending volume by year
1'10
8'11
14'12
11'13
12'14
12'15
10'16
7'17
10'18
5'19
9'20
12'21
8'22
1'23
2'24
5'25
1'26
Evolve Bank and Trust charge-off rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$149.9M
Defaults4 of 128
Risk tierEXCELLENT
Avg rate6.35%
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). 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 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.