FB
SBA 7(a) franchise lending portfolio
Fremont Bank
EXCELLENT risk
- Total loans
- 12
- Loan volume
- $7.9M
- Avg loan size
- $655K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.77%
Franchises funded
9
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The UPS Store (f/k/a Mail Box | 3 | $1.6M | N/A |
| Building Kidz School | 2 | $1.8M | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $50K | 0.0% (low risk) |
| Farmers Insurance Agent Appoin | 1 | $796K | 0.0% (low risk) |
| Anytime Fitness | 1 | $380K | 0.0% (low risk) |
| Tire Pros | 1 | $567K | N/A |
| Blaze Pizza | 1 | $520K | N/A |
| Safari Kid | 1 | $899K | 0.0% (low risk) |
| Ace Hardware | 1 | $1.2M | N/A |
Lending volume by year
1'95
1'17
1'18
1'19
1'20
2'21
4'22
1'23
Geographic exposure
120.0% (low risk)
Portfolio summary
Total funded$7.9M
Defaults0 of 12
Risk tierEXCELLENT
Avg rate6.77%
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 Fremont Bank originated?
- 12 loans totaling $7.9M. 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 Fremont Bank fund the most?
- The “Top franchise exposures” table above lists the brands Fremont 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.