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SBA 7(a) franchise lending portfolio
Guaranty Bank and Trust Company
AVERAGE risk
- Total loans
- 18
- Loan volume
- $4.1M
- Avg loan size
- $228K
- Default rate
- 12.5%
- vs 15.4% national avg
Defaults
2
Avg interest
6.38%
Franchises funded
13
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 6 | $995K | 0.0% |
| Little Ceasar's Pizza | 1 | $94K | 100.0% |
| Pizza Pro | 1 | $50K | 0.0% |
| Baskin-Robbins 31 Ice Cream | 1 | $136K | 0.0% |
| UPS Store | 1 | $180K | 0.0% |
| Stevi B's Pizza | 1 | $217K | 0.0% |
| NAPA Auto Parts | 1 | $125K | 0.0% |
| Medicap Pharmacy | 1 | $400K | 0.0% |
| The UPS Store | 1 | $210K | 0.0% |
| Denny's Restaurant | 1 | $500K | 0.0% |
| Smoothie King | 1 | $300K | — |
| Papa John's Pizza | 1 | $277K | 100.0% |
| Face to Face Spa | 1 | $627K | — |
Lending volume by year
1'96
1'99
1'01
1'03
1'04
1'05
1'07
3'09
1'10
3'11
1'12
1'15
1'19
1'24
Geographic exposure
Portfolio summary
Total funded$4.1M
Defaults2 of 18
Risk tierAVERAGE
Avg rate6.38%
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%).