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SBA 7(a) franchise lending portfolio
Guaranty Bank
CRITICAL risk
- Total loans
- 36
- Loan volume
- $14.1M
- Avg loan size
- $391K
- Default rate
- 24.1%
- vs 15.4% national avg
Defaults
7
Avg interest
6.76%
Franchises funded
32
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Computer Renaissance | 2 | $413K | 100.0% |
| Petland | 2 | $325K | 0.0% |
| Christmas Decor | 2 | $825K | 0.0% |
| Checkers | 2 | $1.8M | — |
| MAACO Auto Painting Center | 1 | $160K | 100.0% |
| Player's Connection | 1 | $110K | 0.0% |
| Mailbox Express | 1 | $30K | 0.0% |
| Babe's | 1 | $60K | 100.0% |
| Reality Executive Internationa | 1 | $110K | 0.0% |
| The Firkin Group Of Pubs | 1 | $515K | 0.0% |
| Firehouse Subs | 1 | $300K | 0.0% |
| Mainstream Boutique | 1 | $187K | 100.0% |
| Auntie Anne's | 1 | $1.2M | — |
| Hurts Donut Company | 1 | $260K | 100.0% |
| Super 8 | 1 | $1.8M | 0.0% |
| Fedex Ground | 1 | $630K | 0.0% |
| Domino's Pizza | 1 | $111K | 0.0% |
| Midas | 1 | $225K | 0.0% |
| Midas | 1 | $450K | 0.0% |
| Maui Wowi | 1 | $99K | 0.0% |
Lending volume by year
1'92
1'97
1'98
2'02
2'03
2'04
1'07
2'10
1'13
1'14
2'15
6'16
3'17
2'18
1'19
3'20
3'21
1'23
1'24
Geographic exposure
Portfolio summary
Total funded$14.1M
Defaults7 of 36
Risk tierCRITICAL
Avg rate6.76%
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%).