FP
SBA 7(a) franchise lending portfolio
First Pryority Bank
EXCELLENT risk
- Total loans
- 19
- Loan volume
- $13.6M
- Avg loan size
- $717K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.29%
Franchises funded
17
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Days Inn | 3 | $5.8M | 0.0% (low risk) |
| Subway | 1 | $67K | 0.0% (low risk) |
| Super 8 | 1 | $1.7M | N/A |
| Senior Helpers | 1 | $603K | 0.0% (low risk) |
| Fantastic Sams | 1 | $145K | 0.0% (low risk) |
| Cartridge Depot | 1 | $220K | 0.0% (low risk) |
| Century 21 | 1 | $296K | 0.0% (low risk) |
| Simple Simon's Pizza | 1 | $645K | 0.0% (low risk) |
| Junk King | 1 | $98K | N/A |
| Americas Best Value Inn (f/K/A | 1 | $983K | 0.0% (low risk) |
| Ace Pickleball Club | 1 | $1.3M | N/A |
| Dripbar | 1 | $66K | N/A |
| Realty ONE Group / Realty ONE | 1 | $150K | N/A |
| Knuckies Hoagies | 1 | $190K | N/A |
| Cornwell Quality Tools | 1 | $90K | 0.0% (low risk) |
| Super 8 by Wyndhan | 1 | $1.0M | 0.0% (low risk) |
| Junk King | 1 | $262K | N/A |
Lending volume by year
2'12
1'13
1'15
6'16
1'17
1'18
1'20
1'21
4'24
1'25
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 First Pryority Bank originated?
- 19 loans totaling $13.6M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 First Pryority Bank fund the most?
- The “Top franchise exposures” table above lists the brands First Pryority 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.