GB
SBA 7(a) franchise lending portfolio
Guaranty Bank
CRITICAL risk
- Total loans
- 36
- Loan volume
- $14.1M
- Avg loan size
- $391K
- Charge-off 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% (very high risk) |
| Petland | 2 | $325K | 0.0% (low risk) |
| Christmas Decor | 2 | $825K | 0.0% (low risk) |
| Checkers | 2 | $1.8M | N/A |
| MAACO Auto Painting Center | 1 | $160K | 100.0% (very high risk) |
| Player's Connection | 1 | $110K | 0.0% (low risk) |
| Mailbox Express | 1 | $30K | 0.0% (low risk) |
| Babe's | 1 | $60K | 100.0% (very high risk) |
| Reality Executive Internationa | 1 | $110K | 0.0% (low risk) |
| The Firkin Group Of Pubs | 1 | $515K | 0.0% (low risk) |
| Firehouse Subs | 1 | $300K | 0.0% (low risk) |
| Mainstream Boutique | 1 | $187K | 100.0% (very high risk) |
| Auntie Anne's | 1 | $1.2M | N/A |
| Hurts Donut Company | 1 | $260K | 100.0% (very high risk) |
| Super 8 | 1 | $1.8M | 0.0% (low risk) |
| Fedex Ground | 1 | $630K | 0.0% (low risk) |
| Domino's Pizza | 1 | $111K | 0.0% (low risk) |
| Midas | 1 | $225K | 0.0% (low risk) |
| Midas | 1 | $450K | 0.0% (low risk) |
| Maui Wowi | 1 | $99K | 0.0% (low risk) |
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
3323.1% (very high risk)
10.0% (low risk)
10.0% (low risk)
1100.0% (very high risk)
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
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 Guaranty Bank originated?
- 36 loans totaling $14.1M. The portfolio carries a 24.1% charge-off rate, earning a “CRITICAL” 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 Guaranty Bank fund the most?
- The “Top franchise exposures” table above lists the brands Guaranty 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.