SBA 7(a) franchise lending portfolio
Firstrust Savings Bank
- Total loans
- 78
- Loan volume
- $49.5M
- Avg loan size
- $635K
- Charge-off rate
- 3.8%
- vs 16.0% national
Charged off
2
Avg interest
6.67%
Franchises funded
48
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Skyzone | 5 | $6.4M | N/A |
| Dunkin' Donuts | 5 | $5.0M | N/A |
| Philly Soft Pretzel Factory | 4 | $407K | N/A |
| European Wax Center | 4 | $1.8M | N/A |
| Supercuts | 3 | $498K | N/A |
| Hand and Stone Massage and Fac | 3 | $1.6M | N/A |
| Meineke Car Care Center | 3 | $4.4M | N/A |
| Quiznos | 2 | $240K | N/A |
| Management Recruiters | 2 | $90K | N/A |
| Auntie Ann's (soft Pretzels) | 2 | $50K | N/A |
| Marco's Pizza | 2 | $696K | N/A |
| Massage Envy | 2 | $910K | N/A |
| 1-800-GOT-JUNK? | 2 | $1.1M | N/A |
| Smoothie King | 2 | $1.9M | N/A |
| Dunkin' Donut/Baskin-Robbins C | 2 | $1.4M | N/A |
| Manhattan Bagel | 2 | $410K | N/A |
| BounceU | 2 | $2.0M | N/A |
| Little Gym | 1 | $64K | N/A |
| CycleBar | 1 | $385K | N/A |
| Ameriprise Financial | 1 | $415K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2002 | 1 |
| FY2003 | 1 |
| FY2005 | 1 |
| FY2007 | 5 |
| FY2009 | 3 |
| FY2012 | 1 |
| FY2014 | 7 |
| FY2015 | 11 |
| FY2016 | 12 |
| FY2017 | 7 |
| FY2018 | 2 |
| FY2020 | 1 |
| FY2021 | 6 |
| FY2022 | 5 |
| FY2023 | 11 |
| FY2024 | 2 |
| FY2025 | 2 |
SBA 7(a) · charge-off rate by approval year
Firstrust Savings Bank: below all franchise loans in each of the 2 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 |
|---|---|---|---|
| 2007 | 5 | 0 | Too few |
| 2009 | 3 | 0 | Too few |
| 2014 | 7 | 0 | Too few |
| 2015 | 11 | 0 | 0.0% |
| 2016 | 12 | 1 | 8.3% |
| 2017 | 5 | 0 | Too few |
| 2021 | 4 | 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 Firstrust Savings Bank originated?
- 78 loans totaling $49.5M. The portfolio carries a 3.8% 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). 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. Firstrust Savings Bank's rate of 3.8% is below 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 Firstrust Savings Bank fund the most?
- The “Top franchise exposures” table above lists the brands Firstrust Savings 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.