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SBA 7(a) franchise lending portfolio
Flushing Bank
AVERAGE risk
- Total loans
- 32
- Loan volume
- $9.1M
- Avg loan size
- $285K
- Default rate
- 11.5%
- vs 15.4% national avg
Defaults
3
Avg interest
9.03%
Franchises funded
15
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 10 | $1.3M | 0.0% |
| Quiznos | 6 | $1.6M | 16.7% |
| Golden Krust Patties, Inc. | 3 | $450K | 33.3% |
| Cold Stone Creamery, Inc. | 2 | $540K | 0.0% |
| Blue Chip Cookies | 1 | $121K | 0.0% |
| Pet Supplies "plus" Ii, Inc. | 1 | $300K | 0.0% |
| Blimpie | 1 | $85K | 100.0% |
| Taco Bell | 1 | $250K | 0.0% |
| 1-800-Got-Junk? | 1 | $400K | 0.0% |
| Harlem Shake | 1 | $565K | — |
| Nekter Juice Bar | 1 | $469K | — |
| Teriyaki Madness | 1 | $715K | — |
| JETSET Pilates | 1 | $878K | — |
| Wetzel's Pretzels | 1 | $772K | — |
| D1T raining | 1 | $750K | — |
Lending volume by year
1'96
1'99
1'00
1'01
2'02
6'03
4'04
1'05
5'06
2'07
1'09
1'19
3'25
3'26
Flushing Bank default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$9.1M
Defaults3 of 32
Risk tierAVERAGE
Avg rate9.03%
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%).