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SBA 7(a) franchise lending portfolio
GBank
EXCELLENT risk
- Total loans
- 742
- Loan volume
- $2.1B
- Avg loan size
- $2.8M
- Default rate
- 2.5%
- vs 15.4% national avg
Defaults
6
Avg interest
7.11%
Franchises funded
115
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quality Inn by Choice Hotels / | 85 | $256.5M | 3.8% |
| Super 8 by Wyndhan | 59 | $123.6M | 0.0% |
| Days Inn by Wyndham | 50 | $115.1M | 0.0% |
| Red Roof Inn | 34 | $89.7M | 0.0% |
| Baymont by Wyndham aka Baymont | 32 | $91.2M | 0.0% |
| Comfort Inn by Choice Hotels/C | 30 | $126.4M | 0.0% |
| La Quinta by Wyndham a.k.a. La | 24 | $97.1M | 0.0% |
| Econo Lodge by Choice Hotels/E | 23 | $46.7M | 0.0% |
| Best Western - Membership Agre | 23 | $79.7M | 0.0% |
| Rodeway Inn by Choice Hotels/R | 22 | $48.6M | 0.0% |
| Sleep Inn by Choice Hotels/Sle | 22 | $76.4M | 0.0% |
| Motel 6 | 18 | $41.7M | 0.0% |
| Quality Inn/Quality Suites, Ho | 16 | $33.3M | 7.7% |
| Country Inn & Suites by Radiss | 13 | $54.0M | 33.3% |
| Travelodge by Wyndham | 13 | $27.2M | 0.0% |
| Americas Best Value Inn | 12 | $21.8M | 0.0% |
| Holiday Inn Express/Holiday In | 11 | $52.9M | — |
| Suburban Studios by Choice Hot | 11 | $37.3M | 0.0% |
| Ramada by Wyndham | 11 | $30.6M | 0.0% |
| Super 8 | 10 | $14.4M | 0.0% |
Lending volume by year
7'15
27'16
43'17
34'18
57'19
78'20
103'21
81'22
57'23
109'24
132'25
14'26
GBank default rate by loan vintage
BrandNational avg
Geographic exposure
1433.1%
620.0%
570.0%
550.0%
5312.5%
509.1%
470.0%
400.0%
210.0%
1633.3%
Portfolio summary
Total funded$2.1B
Defaults6 of 742
Risk tierEXCELLENT
Avg rate7.11%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default 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%), Critical (>20%).