SBA 7(a) franchise lending portfolio
Fifth Third Bank
- Total loans
- 821
- Loan volume
- $258.5M
- Avg loan size
- $315K
- Charge-off rate
- 17.3%
- vs 16.0% national
Charged off
122
Avg interest
6.31%
Franchises funded
390
Risk rating
Elevated
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 44 | $7.5M | 2.3% (excellent) |
| Quiznos | 22 | $3.6M | 31.8% (high risk) |
| Great Clips | 17 | $2.9M | 0.0% (excellent) |
| Mail Boxes Etc. Usa | 13 | $1.4M | 23.1% (high risk) |
| Dairy Queen | 12 | $1.9M | 0.0% (excellent) |
| Dunkin Donuts | 9 | $3.8M | N/A |
| Little Ceasar's Pizza | 9 | $2.4M | N/A |
| The Bar Method | 9 | $5.2M | N/A |
| Once Upon A Child | 8 | $1.1M | N/A |
| Goddard Early Learning Center | 8 | $1.4M | N/A |
| Curves For Women | 8 | $544K | N/A |
| Culver's ButterBurgers & Froze | 8 | $12.3M | N/A |
| Domino's Pizza | 7 | $1.4M | N/A |
| Tcby | 7 | $698K | N/A |
| Blimpie | 7 | $536K | N/A |
| Big Apple Bagels | 6 | $956K | N/A |
| Bright Star Learning Center | 6 | $2.1M | N/A |
| Marco's Pizza | 6 | $2.5M | N/A |
| Servpro | 5 | $778K | N/A |
| MAACO Auto Painting Center | 5 | $1.6M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 9 |
| FY1993 | 16 |
| FY1994 | 15 |
| FY1995 | 19 |
| FY1996 | 23 |
| FY1997 | 27 |
| FY1998 | 23 |
| FY1999 | 18 |
| FY2000 | 30 |
| FY2001 | 23 |
| FY2002 | 40 |
| FY2003 | 67 |
| FY2004 | 84 |
| FY2005 | 80 |
| FY2006 | 25 |
| FY2007 | 14 |
| FY2008 | 18 |
| FY2009 | 3 |
| FY2010 | 8 |
| FY2011 | 5 |
| FY2012 | 1 |
| FY2013 | 7 |
| FY2014 | 9 |
| FY2015 | 19 |
| FY2016 | 14 |
| FY2017 | 10 |
| FY2018 | 49 |
| FY2019 | 57 |
| FY2020 | 33 |
| FY2021 | 18 |
| FY2022 | 16 |
| FY2023 | 19 |
| FY2024 | 11 |
| FY2025 | 7 |
| FY2026 | 4 |
SBA 7(a) · charge-off rate by approval year
Fifth Third Bank: below all franchise loans in 14 of 21 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 9 | 2 | Too few |
| 1993 | 16 | 0 | 0.0% |
| 1994 | 15 | 0 | 0.0% |
| 1995 | 19 | 2 | 10.5% |
| 1996 | 23 | 3 | 13.0% |
| 1997 | 27 | 0 | 0.0% |
| 1998 | 23 | 3 | 13.0% |
| 1999 | 18 | 3 | 16.7% |
| 2000 | 30 | 4 | 13.3% |
| 2001 | 23 | 3 | 13.0% |
| 2002 | 40 | 3 | 7.5% |
| 2003 | 67 | 10 | 14.9% |
| 2004 | 84 | 28 | 33.3% |
| 2005 | 80 | 23 | 28.7% |
| 2006 | 25 | 11 | 44.0% |
| 2007 | 14 | 4 | 28.6% |
| 2008 | 18 | 2 | 11.1% |
| 2009 | 3 | 0 | Too few |
| 2010 | 7 | 0 | Too few |
| 2011 | 5 | 0 | Too few |
| 2013 | 7 | 0 | Too few |
| 2014 | 9 | 0 | Too few |
| 2015 | 19 | 2 | 10.5% |
| 2016 | 14 | 0 | 0.0% |
| 2017 | 8 | 0 | Too few |
| 2018 | 41 | 9 | 22.0% |
| 2019 | 37 | 6 | 16.2% |
| 2020 | 15 | 4 | 26.7% |
| 2021 | 4 | 0 | Too early |
| 2022 | 3 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
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 Fifth Third Bank originated?
- 821 loans totaling $258.5M. The portfolio carries a 17.3% charge-off rate, earning a “Elevated” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Fifth Third Bank's rate of 17.3% is above the national rate.
- 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 Fifth Third Bank fund the most?
- The “Top franchise exposures” table above lists the brands Fifth Third 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.