EB
SBA 7(a) franchise lending portfolio
Exchange Bank
EXCELLENT risk
- Total loans
- 42
- Loan volume
- $33.8M
- Avg loan size
- $806K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.52%
Franchises funded
32
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Big O Tires | 4 | $3.4M | 0.0% (low risk) |
| HomeSmart International | 3 | $2.1M | N/A |
| Mountain Mike's Pizza | 3 | $1.1M | 0.0% (low risk) |
| Big O Tires | 2 | $1.2M | 0.0% (low risk) |
| Togo's | 2 | $603K | N/A |
| Subway | 2 | $2.6M | 0.0% (low risk) |
| Ace Hardware | 1 | $65K | 0.0% (low risk) |
| Fox's Pizza Den | 1 | $49K | 0.0% (low risk) |
| Domino's Pizza | 1 | $52K | 0.0% (low risk) |
| Liberty Tax Service | 1 | $75K | 0.0% (low risk) |
| Hallmark Card Shop | 1 | $120K | 0.0% (low risk) |
| Jersey Mike's | 1 | $297K | 0.0% (low risk) |
| Jamba Juice | 1 | $303K | 0.0% (low risk) |
| World Gym | 1 | $1.5M | 0.0% (low risk) |
| Savory Spice Shop | 1 | $150K | 0.0% (low risk) |
| Krispy Kreme Doughnuts | 1 | $1.2M | 0.0% (low risk) |
| Golden Corral (restaurant) | 1 | $3.3M | 0.0% (low risk) |
| Midas | 1 | $305K | N/A |
| Roosters | 1 | $200K | 0.0% (low risk) |
| Arcpoint | 1 | $150K | N/A |
Lending volume by year
1'94
1'96
1'98
1'05
1'07
1'10
2'11
2'13
2'15
2'16
6'17
5'18
8'19
5'20
1'21
2'22
1'23
Geographic exposure
Portfolio summary
Total funded$33.8M
Defaults0 of 42
Risk tierEXCELLENT
Avg rate6.52%
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 Exchange Bank originated?
- 42 loans totaling $33.8M. The portfolio carries a 0.0% 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 Exchange Bank fund the most?
- The “Top franchise exposures” table above lists the brands Exchange Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.