FD
SBA 7(a) franchise lending portfolio
Fidelity Deposit and Discount Bank
CRITICAL risk
- Total loans
- 19
- Loan volume
- $8.6M
- Avg loan size
- $451K
- Charge-off rate
- 22.2%
- vs 15.4% national avg
Defaults
2
Avg interest
5.51%
Franchises funded
15
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| redbox+ | 3 | $711K | N/A |
| Cold Stone Creamery, Inc. | 2 | $300K | 0.0% (low risk) |
| House Doctors Handyman Service | 2 | $90K | 0.0% (low risk) |
| Option Care, Inc. | 1 | $100K | 0.0% (low risk) |
| Manhattan Bagel Co. | 1 | $150K | 100.0% (very high risk) |
| Subway Sandwich Shop | 1 | $144K | 0.0% (low risk) |
| Denny's | 1 | $2.3M | N/A |
| Red Carpet Inn | 1 | $700K | 0.0% (low risk) |
| Medicine Shoppe | 1 | $250K | 100.0% (very high risk) |
| Pizza Hut | 1 | $473K | N/A |
| Hand and Stone Massage and Fac | 1 | $500K | N/A |
| Bojangles' | 1 | $1.9M | N/A |
| PrimoHoagies | 1 | $225K | N/A |
| Ben & Jerry's | 1 | $560K | N/A |
| Philly Pretzel Factory | 1 | $150K | N/A |
Lending volume by year
1'97
1'00
1'03
2'08
1'10
3'11
1'16
1'20
4'21
3'22
1'25
Geographic exposure
1822.2% (very high risk)
1N/A
Portfolio summary
Total funded$8.6M
Defaults2 of 19
Risk tierCRITICAL
Avg rate5.51%
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 Fidelity Deposit and Discount Bank originated?
- 19 loans totaling $8.6M. The portfolio carries a 22.2% charge-off rate, earning a “CRITICAL” 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 Fidelity Deposit and Discount Bank fund the most?
- The “Top franchise exposures” table above lists the brands Fidelity Deposit and Discount 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.