GR
SBA 7(a) franchise lending portfolio
Grand Ridge National Bank
EXCELLENT risk
- Total loans
- 12
- Loan volume
- $6.3M
- Avg loan size
- $527K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
7.12%
Franchises funded
9
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Forever Yogurt | 3 | $945K | 0.0% (low risk) |
| Orange Theory Fitness | 2 | $700K | 0.0% (low risk) |
| Massage Envy | 1 | $100K | 0.0% (low risk) |
| Rosati's Pizza | 1 | $800K | N/A |
| Giordano's Pizza | 1 | $835K | N/A |
| Massage Envy | 1 | $275K | 0.0% (low risk) |
| Rodeway Inn by Choice Hotels/R | 1 | $935K | N/A |
| Drybar | 1 | $805K | N/A |
| World Fuel Services - Wholesal | 1 | $930K | N/A |
Lending volume by year
3'14
2'15
1'16
1'18
3'19
1'21
1'24
Geographic exposure
120.0% (low risk)
Portfolio summary
Total funded$6.3M
Defaults0 of 12
Risk tierEXCELLENT
Avg rate7.12%
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 Grand Ridge National Bank originated?
- 12 loans totaling $6.3M. 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 Grand Ridge National Bank fund the most?
- The “Top franchise exposures” table above lists the brands Grand Ridge National 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.