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SBA 7(a) franchise lending portfolio
Golden Bank, National Association
EXCELLENT risk
- Total loans
- 50
- Loan volume
- $84.9M
- Avg loan size
- $1.7M
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.20%
Franchises funded
38
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Golden Corral | 5 | $10.8M | 0.0% |
| SEI Fuel Services, Inc (Multi | 4 | $3.0M | — |
| La Quinta by Wyndham a.k.a. La | 3 | $11.9M | 0.0% |
| Wingstop Restaurant | 2 | $411K | 0.0% |
| Econo Lodge by Choice Hotels/E | 2 | $5.1M | 0.0% |
| Motel 6 | 2 | $3.5M | 0.0% |
| Motel 6 | 1 | $1.4M | 0.0% |
| Tesoro | 1 | $4.3M | — |
| America's Best Value Inn | 1 | $1.9M | 0.0% |
| Long John Silver's | 1 | $450K | 0.0% |
| Fuzzy's Taco Shop | 1 | $690K | 0.0% |
| Creamistry | 1 | $320K | 0.0% |
| Americas Best Value Inn (f/K/A | 1 | $1.9M | — |
| Empire Petroleum Partners - Pe | 1 | $2.4M | — |
| American Deli | 1 | $574K | — |
| Cold Stone Creamery | 1 | $140K | 0.0% |
| World Fuel Services - Wholesal | 1 | $116K | — |
| Americas Best Value Inn | 1 | $2.0M | — |
| W. Douglass Distributing, Ltd. | 1 | $775K | — |
| Super 8 by Wyndhan | 1 | $3.7M | — |
Lending volume by year
1'08
1'11
1'12
2'13
1'14
1'15
4'18
8'20
23'21
6'22
1'23
1'24
Geographic exposure
330.0%
80.0%
30.0%
10.0%
1—
10.0%
10.0%
1—
Portfolio summary
Total funded$84.9M
Defaults0 of 50
Risk tierEXCELLENT
Avg rate5.20%
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%).