FB
SBA 7(a) franchise lending portfolio
Forcht Bank, National Association
CRITICAL risk
- Total loans
- 16
- Loan volume
- $3.2M
- Avg loan size
- $202K
- Charge-off rate
- 20.0%
- vs 15.4% national avg
Defaults
2
Avg interest
6.30%
Franchises funded
9
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Jimmy John's | 5 | $1.2M | N/A |
| Subway Sandwich Shop | 4 | $580K | 50.0% (very high risk) |
| Sears Catalog Store | 1 | $90K | 0.0% (low risk) |
| Texaco Express Lube & Star Lub | 1 | $150K | 0.0% (low risk) |
| Minuteman Press | 1 | $70K | 0.0% (low risk) |
| Allstate Insurance | 1 | $245K | 0.0% (low risk) |
| Orange Leaf | 1 | $300K | 0.0% (low risk) |
| Beef O'brady's | 1 | $200K | 0.0% (low risk) |
| Workout Anytime | 1 | $399K | N/A |
Lending volume by year
1'98
1'00
1'01
1'03
2'04
1'10
3'12
1'19
2'21
1'22
1'23
1'24
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 Forcht Bank, National Association originated?
- 16 loans totaling $3.2M. The portfolio carries a 20.0% charge-off rate, earning a “CRITICAL” 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 Forcht Bank, National Association fund the most?
- The “Top franchise exposures” table above lists the brands Forcht Bank, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.