SBA 7(a) franchise lending portfolio
GBank
- Total loans
- 742
- Loan volume
- $2.1B
- Avg loan size
- $2.8M
- Charge-off rate
- 2.5%
- vs 16.0% national
Charged off
6
Avg interest
7.11%
Franchises funded
115
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Quality Inn by Choice Hotels / | 85 | $256.5M | 3.8% (excellent) |
| Super 8 by Wyndhan | 69 | $138.0M | N/A |
| Days Inn by Wyndham | 50 | $115.1M | 0.0% (excellent) |
| Red Roof Inn | 34 | $89.7M | N/A |
| Baymont by Wyndham aka Baymont | 32 | $91.2M | 0.0% (excellent) |
| Comfort Inn by Choice Hotels/C | 30 | $126.4M | N/A |
| La Quinta by Wyndham a.k.a. La | 24 | $97.1M | N/A |
| Econo Lodge by Choice Hotels/E | 23 | $46.7M | N/A |
| Best Western - Membership Agre | 23 | $79.7M | N/A |
| Rodeway Inn by Choice Hotels/R | 22 | $48.6M | N/A |
| Sleep Inn by Choice Hotels/Sle | 22 | $76.4M | N/A |
| Motel 6 | 18 | $41.7M | N/A |
| Quality Inn/Quality Suites, Ho | 16 | $33.3M | 7.7% (good) |
| Country Inn & Suites by Radiss | 13 | $54.0M | N/A |
| Travelodge by Wyndham | 13 | $27.2M | N/A |
| Americas Best Value Inn | 12 | $21.8M | N/A |
| Holiday Inn Express/Holiday In | 11 | $52.9M | N/A |
| Suburban Studios by Choice Hot | 11 | $37.3M | N/A |
| Ramada by Wyndham | 11 | $30.6M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2015 | 7 |
| FY2016 | 27 |
| FY2017 | 43 |
| FY2018 | 34 |
| FY2019 | 57 |
| FY2020 | 78 |
| FY2021 | 103 |
| FY2022 | 81 |
| FY2023 | 57 |
| FY2024 | 109 |
| FY2025 | 132 |
| FY2026 | 14 |
SBA 7(a) · charge-off rate by approval year
GBank: below all franchise loans in each of the 7 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 |
|---|---|---|---|
| 2015 | 7 | 0 | Too few |
| 2016 | 22 | 2 | 9.1% |
| 2017 | 31 | 2 | 6.5% |
| 2018 | 23 | 1 | 4.3% |
| 2019 | 36 | 1 | 2.8% |
| 2020 | 49 | 0 | 0.0% |
| 2021 | 45 | 0 | 0.0% |
| 2022 | 14 | 0 | 0.0% |
| 2023 | 6 | 0 | Too early |
| 2024 | 4 | 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 GBank originated?
- 742 loans totaling $2063.1M. The portfolio carries a 2.5% 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). 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. GBank's rate of 2.5% 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 GBank fund the most?
- The “Top franchise exposures” table above lists the brands GBank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.