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SBA 7(a) franchise lending portfolio
Fidelity Deposit and Discount Bank
CRITICAL risk
- Total loans
- 19
- Loan volume
- $8.6M
- Avg loan size
- $451K
- Default 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 | — |
| Cold Stone Creamery, Inc. | 2 | $300K | 0.0% |
| House Doctors Handyman Service | 2 | $90K | 0.0% |
| Option Care, Inc. | 1 | $100K | 0.0% |
| Manhattan Bagel Co. | 1 | $150K | 100.0% |
| Subway Sandwich Shop | 1 | $144K | 0.0% |
| Denny's | 1 | $2.3M | — |
| Red Carpet Inn | 1 | $700K | 0.0% |
| Medicine Shoppe | 1 | $250K | 100.0% |
| Pizza Hut | 1 | $473K | — |
| Hand and Stone Massage and Fac | 1 | $500K | — |
| Bojangles' | 1 | $1.9M | — |
| PrimoHoagies | 1 | $225K | — |
| Ben & Jerry's | 1 | $560K | — |
| Philly Pretzel Factory | 1 | $150K | — |
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%
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
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%).