FB
SBA 7(a) franchise lending portfolio
Flushing Bank
AVERAGE risk
- Total loans
- 32
- Loan volume
- $9.1M
- Avg loan size
- $285K
- Charge-off 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% (low risk) |
| Quiznos | 6 | $1.6M | 16.7% (high risk) |
| Golden Krust Patties, Inc. | 3 | $450K | 33.3% (very high risk) |
| Cold Stone Creamery, Inc. | 2 | $540K | 0.0% (low risk) |
| Blue Chip Cookies | 1 | $121K | 0.0% (low risk) |
| Pet Supplies "plus" Ii, Inc. | 1 | $300K | 0.0% (low risk) |
| Blimpie | 1 | $85K | 100.0% (very high risk) |
| Taco Bell | 1 | $250K | 0.0% (low risk) |
| 1-800-Got-Junk? | 1 | $400K | 0.0% (low risk) |
| Harlem Shake | 1 | $565K | N/A |
| Nekter Juice Bar | 1 | $469K | N/A |
| Teriyaki Madness | 1 | $715K | N/A |
| JETSET Pilates | 1 | $878K | N/A |
| Wetzel's Pretzels | 1 | $772K | N/A |
| D1T raining | 1 | $750K | N/A |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
2612.5% (elevated risk)
30.0% (low risk)
1N/A
1N/A
1N/A
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
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 Flushing Bank originated?
- 32 loans totaling $9.1M. The portfolio carries a 11.5% charge-off rate, earning a “AVERAGE” 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 Flushing Bank fund the most?
- The “Top franchise exposures” table above lists the brands Flushing 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.