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SBA 7(a) franchise lending portfolio
FFB Bank
CRITICAL risk
- Total loans
- 32
- Loan volume
- $18.4M
- Avg loan size
- $574K
- Default rate
- 21.4%
- vs 15.4% national avg
Defaults
3
Avg interest
7.41%
Franchises funded
24
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Crumbl | 4 | $2.6M | 0.0% |
| Wingstop | 2 | $550K | 0.0% |
| Servpro | 2 | $150K | 0.0% |
| Van De Pol Enterprises, Inc. ( | 2 | $4.2M | — |
| Allegra | 2 | $1.9M | — |
| Stretch Lab | 2 | $695K | — |
| Plato's Closet | 1 | $285K | — |
| Firehouse Subs | 1 | $288K | 100.0% |
| Batteries Plus Bulbs | 1 | $224K | 0.0% |
| Courtyard By Marriott | 1 | $650K | 0.0% |
| Rally's | 1 | $125K | 0.0% |
| The Bar Method | 1 | $320K | 100.0% |
| General Nutrition Centers/Gnc | 1 | $106K | 0.0% |
| Deli Delicious | 1 | $290K | 100.0% |
| Togo's Eatery | 1 | $200K | 0.0% |
| Baskin-Robbins 31 Ice Cream | 1 | $198K | 0.0% |
| Sullivan Petroleum Company (Sh | 1 | $1.8M | — |
| Gameday Men's Health/Gameday | 1 | $300K | — |
| The Red Chickz | 1 | $323K | — |
| Hand and Stone Massage and Fac | 1 | $751K | — |
Lending volume by year
1'11
2'12
1'14
3'15
4'16
1'17
1'18
2'19
2'21
4'22
5'23
4'24
2'25
Geographic exposure
3021.4%
2—
Portfolio summary
Total funded$18.4M
Defaults3 of 32
Risk tierCRITICAL
Avg rate7.41%
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%).