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SBA 7(a) franchise lending portfolio
Gulf Coast Bank
AVERAGE risk
- Total loans
- 63
- Loan volume
- $35.6M
- Avg loan size
- $565K
- Default rate
- 14.3%
- vs 15.4% national avg
Defaults
5
Avg interest
6.96%
Franchises funded
41
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Tropical Smoothie Cafe | 8 | $4.0M | — |
| Subway Sandwich Shop | 5 | $450K | 40.0% |
| Crust Pizza Co. | 5 | $3.2M | 0.0% |
| Snap Fitness | 3 | $294K | 0.0% |
| Whataburger | 2 | $700K | 0.0% |
| Baskin-Robbins | 2 | $768K | — |
| TruGreen | 2 | $823K | — |
| College Hunks Hauling Junk | 2 | $1.1M | — |
| Batteries Plus | 2 | $793K | — |
| Midas Muffler Shop | 1 | $400K | 0.0% |
| Paper Warehouse (party Supplie | 1 | $170K | 0.0% |
| Sonic | 1 | $82K | 0.0% |
| Computertots | 1 | $40K | 0.0% |
| Golden Corral (restaurant) | 1 | $115K | 0.0% |
| Zack's Famous Frozen Yogurt | 1 | $35K | 100.0% |
| Econo Lodge Motel | 1 | $1.5M | 0.0% |
| Camp Bow Wow | 1 | $440K | 0.0% |
| Liberty Tax Service | 1 | $68K | 0.0% |
| Quiznos | 1 | $150K | 100.0% |
| Godfather's Pizza | 1 | $60K | 0.0% |
Lending volume by year
4'94
3
1
1
1
1'01
3
1
3
1
1'11
3
2
1
2
3'18
3
7
9
6
2'24
2
3'26
Gulf Coast Bank default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$35.6M
Defaults5 of 63
Risk tierAVERAGE
Avg rate6.96%
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%).