GC
SBA 7(a) franchise lending portfolio
Gulf Coast Bank
Risk rating: Average
- Total loans
- 63
- Loan volume
- $35.6M
- Avg loan size
- $565K
- Charge-off rate
- 14.3%
- vs 16.0% national
Charged off
5
Avg interest
6.96%
Franchises funded
41
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Tropical Smoothie Cafe | 8 | $4.0M | N/A |
| Subway Sandwich Shop | 5 | $450K | N/A |
| Crust Pizza Co. | 5 | $3.2M | N/A |
| Snap Fitness | 3 | $294K | N/A |
| Whataburger | 2 | $700K | N/A |
| 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 | N/A |
| Paper Warehouse (party Supplie | 1 | $170K | N/A |
| Sonic | 1 | $82K | N/A |
| Computertots | 1 | $40K | N/A |
| Golden Corral (restaurant) | 1 | $115K | N/A |
| Zack's Famous Frozen Yogurt | 1 | $35K | N/A |
| Econo Lodge Motel | 1 | $1.5M | N/A |
| Camp Bow Wow | 1 | $440K | N/A |
| Liberty Tax Service | 1 | $68K | N/A |
| Quiznos | 1 | $150K | N/A |
| Godfather's Pizza | 1 | $60K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1994 | 4 |
| FY1995 | 3 |
| FY1996 | 1 |
| FY1997 | 1 |
| FY2000 | 1 |
| FY2001 | 1 |
| FY2005 | 3 |
| FY2008 | 1 |
| FY2009 | 3 |
| FY2010 | 1 |
| FY2011 | 1 |
| FY2013 | 3 |
| FY2014 | 2 |
| FY2016 | 1 |
| FY2017 | 2 |
| FY2018 | 3 |
| FY2019 | 3 |
| FY2021 | 7 |
| FY2022 | 9 |
| FY2023 | 6 |
| FY2024 | 2 |
| FY2025 | 2 |
| FY2026 | 3 |
SBA 7(a) · charge-off rate by approval year
Gulf Coast Bank charge-off rate by loan vintage
None of these 5 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1994 | 4 | 1 | Too few |
| 1995 | 3 | 0 | Too few |
| 2005 | 3 | 1 | Too few |
| 2009 | 3 | 1 | Too few |
| 2013 | 3 | 0 | Too few |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
Portfolio summary
Total funded$35.6M
Charged off5 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Gulf Coast Bank's rate of 14.3% is below the national rate.
- 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.