GB
SBA 7(a) franchise lending portfolio
Golden Bank, National Association
Risk rating: Excellent
- Total loans
- 50
- Loan volume
- $84.9M
- Avg loan size
- $1.7M
- Charge-off rate
- 0.0%
- vs 16.0% national
Charged off
0
Avg interest
5.20%
Franchises funded
38
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Golden Corral | 5 | $10.8M | N/A |
| SEI Fuel Services, Inc (Multi | 4 | $3.0M | N/A |
| La Quinta by Wyndham a.k.a. La | 3 | $11.9M | N/A |
| Motel 6 | 3 | $4.8M | N/A |
| Wingstop Restaurant | 2 | $411K | N/A |
| Econo Lodge by Choice Hotels/E | 2 | $5.1M | N/A |
| Tesoro | 1 | $4.3M | N/A |
| America's Best Value Inn | 1 | $1.9M | N/A |
| Long John Silver's | 1 | $450K | N/A |
| Fuzzy's Taco Shop | 1 | $690K | N/A |
| Creamistry | 1 | $320K | N/A |
| 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 | N/A |
| 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
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2008 | 1 |
| FY2011 | 1 |
| FY2012 | 1 |
| FY2013 | 2 |
| FY2014 | 1 |
| FY2015 | 1 |
| FY2018 | 4 |
| FY2020 | 8 |
| FY2021 | 23 |
| FY2022 | 6 |
| FY2023 | 1 |
| FY2024 | 1 |
Geographic exposure
330.0% (excellent)
8N/A
3N/A
1N/A
1N/A
1N/A
1N/A
1N/A
1N/A
Portfolio summary
Total funded$84.9M
Charged off0 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Golden Bank, National Association's rate of 0.0% is below the national rate.
- 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.