FN
SBA 7(a) franchise lending portfolio
Falcon National Bank
GOOD risk
- Total loans
- 43
- Loan volume
- $10.9M
- Avg loan size
- $254K
- Charge-off 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% (very high risk) |
| Roto-Rooter | 5 | $1.5M | 0.0% (low risk) |
| Gina Maria's Pizza | 4 | $758K | N/A |
| Akt | 3 | $1.8M | 0.0% (low risk) |
| Cold Stone Creamery, Inc. | 2 | $480K | 0.0% (low risk) |
| Home Instead Senior Care | 2 | $102K | 0.0% (low risk) |
| Glass Doctor | 2 | $237K | 0.0% (low risk) |
| Curves For Women | 2 | $162K | 0.0% (low risk) |
| Subway | 2 | $249K | 0.0% (low risk) |
| Hardware Hank | 2 | $1.1M | 0.0% (low risk) |
| Precision Tune | 1 | $140K | 0.0% (low risk) |
| Papa Murphy's Take & Bake Pizz | 1 | $175K | 0.0% (low risk) |
| MAACO Auto Painting Center | 1 | $100K | 0.0% (low risk) |
| Fresh Coat | 1 | $10K | 0.0% (low risk) |
| Snap Fitness | 1 | $198K | 0.0% (low risk) |
| Culver's Frozen Custard | 1 | $1.4M | 0.0% (low risk) |
| Meineke Car Care | 1 | $350K | 0.0% (low risk) |
| Fitness Together | 1 | $94K | 0.0% (low risk) |
| Subway | 1 | $85K | 0.0% (low risk) |
| Do It Best Hardware | 1 | $145K | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
376.7% (moderate risk)
20.0% (low risk)
20.0% (low risk)
1N/A
10.0% (low risk)
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
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 Falcon National Bank originated?
- 43 loans totaling $10.9M. The portfolio carries a 5.9% charge-off rate, earning a “GOOD” 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 Falcon National Bank fund the most?
- The “Top franchise exposures” table above lists the brands Falcon National 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.