GR
SBA 7(a) franchise lending portfolio
Genesee Regional Bank
CRITICAL risk
- Total loans
- 11
- Loan volume
- $5.6M
- Avg loan size
- $510K
- Charge-off rate
- 25.0%
- vs 15.4% national avg
Defaults
1
Avg interest
6.97%
Franchises funded
9
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Garage Force / Garage Force In | 2 | $200K | N/A |
| Bruster's Real Ice Cream | 2 | $2.2M | N/A |
| Dinners Ready! | 1 | $123K | 100.0% (very high risk) |
| Edible Arrangements | 1 | $140K | 0.0% (low risk) |
| Moe's Sw Grill | 1 | $435K | 0.0% (low risk) |
| Temporary Franchises | 1 | $125K | 0.0% (low risk) |
| Fiat Dealer Agreement | 1 | $500K | N/A |
| CoreLife Eatery | 1 | $1.6M | N/A |
| Rolling Suds | 1 | $300K | N/A |
Lending volume by year
2'07
1'10
1'11
1'20
2'21
2'23
2'24
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 Genesee Regional Bank originated?
- 11 loans totaling $5.6M. The portfolio carries a 25.0% charge-off rate, earning a “CRITICAL” 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 Genesee Regional Bank fund the most?
- The “Top franchise exposures” table above lists the brands Genesee Regional 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.