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SBA 7(a) franchise lending portfolio
Falcon National Bank
GOOD risk
- Total loans
- 43
- Loan volume
- $10.9M
- Avg loan size
- $254K
- Default rate
- 5.9%
- vs 15.4% national avg
Defaults
2
Avg interest
6.02%
Franchises funded
24
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quiznos | 5 | $730K | 40.0% |
| Roto-Rooter | 5 | $1.5M | 0.0% |
| Gina Maria's Pizza | 4 | $758K | — |
| Akt | 3 | $1.8M | 0.0% |
| Cold Stone Creamery, Inc. | 2 | $480K | 0.0% |
| Home Instead Senior Care | 2 | $102K | 0.0% |
| Glass Doctor | 2 | $237K | 0.0% |
| Curves For Women | 2 | $162K | 0.0% |
| Subway | 2 | $249K | 0.0% |
| Hardware Hank | 2 | $1.1M | 0.0% |
| Precision Tune | 1 | $140K | 0.0% |
| Papa Murphy's Take & Bake Pizz | 1 | $175K | 0.0% |
| MAACO Auto Painting Center | 1 | $100K | 0.0% |
| Fresh Coat | 1 | $10K | 0.0% |
| Snap Fitness | 1 | $198K | 0.0% |
| Culver's Frozen Custard | 1 | $1.4M | 0.0% |
| Meineke Car Care | 1 | $350K | 0.0% |
| Fitness Together | 1 | $94K | 0.0% |
| Subway | 1 | $85K | 0.0% |
| Do It Best Hardware | 1 | $145K | 0.0% |
Lending volume by year
5'01
1'02
2'03
2'04
2'10
1'11
4'13
1'14
2'15
2'16
2'17
1'18
7'20
5'21
4'22
1'25
1'26
Falcon National Bank default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$10.9M
Defaults2 of 43
Risk tierGOOD
Avg rate6.02%
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%).