GC
SBA 7(a) franchise lending portfolio
Gulf Coast Bank
AVERAGE risk
- Total loans
- 63
- Loan volume
- $35.6M
- Avg loan size
- $565K
- Charge-off 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 | N/A |
| Subway Sandwich Shop | 5 | $450K | 40.0% (very high risk) |
| Crust Pizza Co. | 5 | $3.2M | 0.0% (low risk) |
| Snap Fitness | 3 | $294K | 0.0% (low risk) |
| Whataburger | 2 | $700K | 0.0% (low risk) |
| Baskin-Robbins | 2 | $768K | N/A |
| TruGreen | 2 | $823K | N/A |
| College Hunks Hauling Junk | 2 | $1.1M | N/A |
| Batteries Plus | 2 | $793K | N/A |
| Midas Muffler Shop | 1 | $400K | 0.0% (low risk) |
| Paper Warehouse (party Supplie | 1 | $170K | 0.0% (low risk) |
| Sonic | 1 | $82K | 0.0% (low risk) |
| Computertots | 1 | $40K | 0.0% (low risk) |
| Golden Corral (restaurant) | 1 | $115K | 0.0% (low risk) |
| Zack's Famous Frozen Yogurt | 1 | $35K | 100.0% (very high risk) |
| Econo Lodge Motel | 1 | $1.5M | 0.0% (low risk) |
| Camp Bow Wow | 1 | $440K | 0.0% (low risk) |
| Liberty Tax Service | 1 | $68K | 0.0% (low risk) |
| Quiznos | 1 | $150K | 100.0% (very high risk) |
| Godfather's Pizza | 1 | $60K | 0.0% (low risk) |
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 charge-off 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
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 Gulf Coast Bank originated?
- 63 loans totaling $35.6M. The portfolio carries a 14.3% charge-off rate, earning a “AVERAGE” 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 Gulf Coast Bank fund the most?
- The “Top franchise exposures” table above lists the brands Gulf Coast 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.