SBA 7(a) franchise lending portfolio
Fulton Bank, National Association
- Total loans
- 329
- Loan volume
- $293.2M
- Avg loan size
- $891K
- Charge-off rate
- 14.8%
- vs 16.0% national
Charged off
39
Avg interest
6.66%
Franchises funded
183
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 20 | $2.7M | 5.0% (good) |
| Tropical Smoothie | 15 | $2.9M | 13.3% (average) |
| Red Roof Inn | 11 | $37.8M | N/A |
| Quality Inn/Quality Suites, Ho | 8 | $21.6M | N/A |
| Mail Boxes Etc. Usa | 7 | $760K | N/A |
| Fastsigns | 7 | $2.5M | N/A |
| Days Inn | 6 | $12.9M | N/A |
| Sylvan Learning Center | 5 | $540K | N/A |
| Quiznos | 5 | $714K | N/A |
| Geeks On Call | 5 | $238K | N/A |
| Mara's Cafe & Bakery | 5 | $1.1M | N/A |
| Auntie Ann's (soft Pretzels) | 4 | $385K | N/A |
| Goddard Early Learning Center | 4 | $3.6M | N/A |
| Holiday Inn | 4 | $14.7M | N/A |
| Quality Inn | 4 | $7.5M | N/A |
| Line-X | 3 | $647K | N/A |
| Rita's Real Italian Water Ice | 3 | $410K | N/A |
| Dairy Queen | 3 | $233K | N/A |
| Friendly's | 3 | $3.3M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1993 | 1 |
| FY1994 | 2 |
| FY1995 | 7 |
| FY1996 | 4 |
| FY1997 | 6 |
| FY1998 | 5 |
| FY1999 | 8 |
| FY2000 | 6 |
| FY2001 | 10 |
| FY2002 | 10 |
| FY2003 | 13 |
| FY2004 | 21 |
| FY2005 | 12 |
| FY2006 | 16 |
| FY2007 | 10 |
| FY2008 | 4 |
| FY2009 | 1 |
| FY2010 | 8 |
| FY2011 | 15 |
| FY2012 | 14 |
| FY2013 | 16 |
| FY2014 | 16 |
| FY2015 | 18 |
| FY2016 | 18 |
| FY2017 | 12 |
| FY2018 | 12 |
| FY2019 | 10 |
| FY2020 | 9 |
| FY2021 | 5 |
| FY2022 | 5 |
| FY2023 | 15 |
| FY2024 | 8 |
| FY2025 | 11 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
Fulton Bank, National Association: below all franchise loans in 9 of 14 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 |
|---|---|---|---|
| 1995 | 7 | 6 | Too few |
| 1996 | 4 | 0 | Too few |
| 1997 | 6 | 1 | Too few |
| 1998 | 5 | 0 | Too few |
| 1999 | 8 | 1 | Too few |
| 2000 | 6 | 1 | Too few |
| 2001 | 10 | 1 | 10.0% |
| 2002 | 10 | 0 | 0.0% |
| 2003 | 13 | 0 | 0.0% |
| 2004 | 21 | 2 | 9.5% |
| 2005 | 12 | 0 | 0.0% |
| 2006 | 16 | 6 | 37.5% |
| 2007 | 10 | 2 | 20.0% |
| 2008 | 4 | 0 | Too few |
| 2010 | 8 | 4 | Too few |
| 2011 | 14 | 2 | 14.3% |
| 2012 | 14 | 2 | 14.3% |
| 2013 | 15 | 0 | 0.0% |
| 2014 | 16 | 1 | 6.2% |
| 2015 | 14 | 4 | 28.6% |
| 2016 | 13 | 2 | 15.4% |
| 2017 | 10 | 1 | 10.0% |
| 2018 | 7 | 1 | Too few |
| 2019 | 6 | 0 | Too few |
| 2020 | 4 | 0 | Too early |
| 2021 | 3 | 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 Fulton Bank, National Association originated?
- 329 loans totaling $293.2M. The portfolio carries a 14.8% 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). 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. Fulton Bank, National Association's rate of 14.8% 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 Fulton Bank, National Association fund the most?
- The “Top franchise exposures” table above lists the brands Fulton 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.