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SBA 7(a) franchise lending portfolio
GBC International Bank
EXCELLENT risk
- Total loans
- 30
- Loan volume
- $26.2M
- Avg loan size
- $874K
- Default rate
- 4.8%
- vs 15.4% national avg
Defaults
1
Avg interest
5.83%
Franchises funded
17
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Chevron (gas Station) | 4 | $5.5M | 0.0% |
| bb.q Chicken | 4 | $1.3M | 0.0% |
| Mobil Oil (stations) | 3 | $3.9M | 0.0% |
| Jimboy'sTacos | 3 | $1.5M | 0.0% |
| Subway | 2 | $578K | 0.0% |
| Sharetea | 2 | $708K | — |
| RE/MAX Independent Contractor | 2 | $671K | 0.0% |
| Grease Monkey | 1 | $330K | 0.0% |
| Shell Service Station | 1 | $2.0M | — |
| WSCO Petroleum Corp. - Branded | 1 | $370K | 0.0% |
| Cary Oil (Chevron/Texaco) Comp | 1 | $960K | 0.0% |
| Burgerim | 1 | $250K | — |
| The Extreme Pita | 1 | $226K | 100.0% |
| Christensen Inc. dba Powell Pr | 1 | $2.5M | 0.0% |
| The UPS Store (f/k/a Mail Box | 1 | $184K | — |
| Motel 6 | 1 | $5.0M | — |
| Cold Stone Creamery | 1 | $260K | — |
Lending volume by year
1'97
1'00
2'14
6'15
2'17
3'18
6'19
4'20
4'21
1'22
GBC International Bank default rate by loan vintage
BrandNational avg
Geographic exposure
168.3%
140.0%
Portfolio summary
Total funded$26.2M
Defaults1 of 30
Risk tierEXCELLENT
Avg rate5.83%
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%).