GB
SBA 7(a) franchise lending portfolio
Golden Bank, National Association
EXCELLENT risk
- Total loans
- 50
- Loan volume
- $84.9M
- Avg loan size
- $1.7M
- Charge-off 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% (low risk) |
| SEI Fuel Services, Inc (Multi | 4 | $3.0M | N/A |
| La Quinta by Wyndham a.k.a. La | 3 | $11.9M | 0.0% (low risk) |
| Wingstop Restaurant | 2 | $411K | 0.0% (low risk) |
| Econo Lodge by Choice Hotels/E | 2 | $5.1M | 0.0% (low risk) |
| Motel 6 | 2 | $3.5M | 0.0% (low risk) |
| Motel 6 | 1 | $1.4M | 0.0% (low risk) |
| Tesoro | 1 | $4.3M | N/A |
| America's Best Value Inn | 1 | $1.9M | 0.0% (low risk) |
| Long John Silver's | 1 | $450K | 0.0% (low risk) |
| Fuzzy's Taco Shop | 1 | $690K | 0.0% (low risk) |
| Creamistry | 1 | $320K | 0.0% (low risk) |
| Americas Best Value Inn (f/K/A | 1 | $1.9M | N/A |
| Empire Petroleum Partners - Pe | 1 | $2.4M | N/A |
| American Deli | 1 | $574K | N/A |
| Cold Stone Creamery | 1 | $140K | 0.0% (low risk) |
| World Fuel Services - Wholesal | 1 | $116K | N/A |
| Americas Best Value Inn | 1 | $2.0M | N/A |
| W. Douglass Distributing, Ltd. | 1 | $775K | N/A |
| Super 8 by Wyndhan | 1 | $3.7M | N/A |
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% (low risk)
80.0% (low risk)
30.0% (low risk)
10.0% (low risk)
1N/A
10.0% (low risk)
10.0% (low risk)
1N/A
1N/A
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
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 Golden Bank, National Association originated?
- 50 loans totaling $84.9M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Golden Bank, National Association fund the most?
- The “Top franchise exposures” table above lists the brands Golden Bank, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.