GB
SBA 7(a) franchise lending portfolio
Genesis Bank
CRITICAL risk
- Total loans
- 50
- Loan volume
- $52.9M
- Avg loan size
- $1.1M
- Charge-off rate
- 23.9%
- vs 15.4% national avg
Defaults
11
Avg interest
5.86%
Franchises funded
34
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 6 | $3.6M | 0.0% (low risk) |
| Super 8 Motel | 4 | $7.6M | 0.0% (low risk) |
| Days Inn | 4 | $5.5M | 25.0% (very high risk) |
| Quiznos | 3 | $1.8M | 100.0% (very high risk) |
| Arco (gas Station) | 2 | $2.2M | 0.0% (low risk) |
| Knights Inn | 2 | $2.2M | 0.0% (low risk) |
| Econo Lodge Motel | 2 | $3.3M | 50.0% (very high risk) |
| Chevron (gas Station) | 1 | $2.0M | 0.0% (low risk) |
| Realty World | 1 | $1.5M | 100.0% (very high risk) |
| Hungry Howie's | 1 | $660K | 100.0% (very high risk) |
| Scottish Inns | 1 | $712K | 0.0% (low risk) |
| Motel 6 Operating Lp | 1 | $1.7M | N/A |
| Ace Hardware | 1 | $1.2M | N/A |
| UPS Store | 1 | $439K | 0.0% (low risk) |
| Hampton Inns | 1 | $331K | 100.0% (very high risk) |
| Travelodge | 1 | $1.8M | 0.0% (low risk) |
| Howard Johnson | 1 | $1.9M | 0.0% (low risk) |
| Choice Hotels International In | 1 | $1.2M | 100.0% (very high risk) |
| Carstar Automotive | 1 | $1.6M | 100.0% (very high risk) |
| We The People Forms And Servic | 1 | $95K | 0.0% (low risk) |
Lending volume by year
1'05
7'06
17'07
6'08
9'09
7'10
1'14
1'15
1'20
Genesis Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
2625.0% (very high risk)
50.0% (low risk)
425.0% (very high risk)
20.0% (low risk)
250.0% (very high risk)
20.0% (low risk)
1100.0% (very high risk)
10.0% (low risk)
10.0% (low risk)
1100.0% (very high risk)
Portfolio summary
Total funded$52.9M
Defaults11 of 50
Risk tierCRITICAL
Avg rate5.86%
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 Genesis Bank originated?
- 50 loans totaling $52.9M. The portfolio carries a 23.9% 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 Genesis Bank fund the most?
- The “Top franchise exposures” table above lists the brands Genesis 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.