HB
SBA 7(a) franchise lending portfolio
Hana Bank USA National Association
Risk rating: Average
- Total loans
- 63
- Loan volume
- $29.4M
- Avg loan size
- $466K
- Charge-off rate
- 11.1%
- vs 16.0% national
Charged off
7
Avg interest
5.89%
Franchises funded
39
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Blimpie | 6 | $418K | N/A |
| Dunkin Donuts | 6 | $6.1M | N/A |
| Cold Stone Creamery, Inc. | 5 | $1.1M | N/A |
| Subway Sandwich Shop | 3 | $285K | N/A |
| Meineke Car Care | 3 | $912K | N/A |
| Gosh Enterprises | 2 | $240K | N/A |
| Mail Boxes Etc. Usa | 2 | $170K | N/A |
| Quiznos | 2 | $380K | N/A |
| Tcby | 2 | $108K | N/A |
| Charley's Steakery Fresh Grill | 2 | $140K | N/A |
| Golden Krust Caribbean Bakery | 2 | $258K | N/A |
| Lee Myles Automotive Transmiss | 1 | $115K | N/A |
| Seven-Eleven (7-11) Food Store | 1 | $100K | N/A |
| Ranch 1 Group, Inc. | 1 | $125K | N/A |
| Imagine That !!! | 1 | $245K | N/A |
| Nathan's Famous | 1 | $200K | N/A |
| Colorall | 1 | $78K | N/A |
| Yogurberry | 1 | $150K | N/A |
| Kentucky Fried Chicken | 1 | $637K | N/A |
| Goodyear Tire | 1 | $400K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1994 | 1 |
| FY1995 | 7 |
| FY1996 | 1 |
| FY1997 | 4 |
| FY1998 | 1 |
| FY2000 | 1 |
| FY2003 | 5 |
| FY2004 | 4 |
| FY2005 | 4 |
| FY2006 | 9 |
| FY2007 | 4 |
| FY2008 | 5 |
| FY2009 | 4 |
| FY2010 | 3 |
| FY2011 | 4 |
| FY2012 | 5 |
| FY2013 | 1 |
SBA 7(a) · charge-off rate by approval year
Hana Bank USA National Association charge-off rate by loan vintage
None of these 12 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 |
|---|---|---|---|
| 1995 | 7 | 1 | Too few |
| 1997 | 4 | 0 | Too few |
| 2003 | 5 | 1 | Too few |
| 2004 | 4 | 1 | Too few |
| 2005 | 4 | 0 | Too few |
| 2006 | 9 | 1 | Too few |
| 2007 | 4 | 1 | Too few |
| 2008 | 5 | 1 | Too few |
| 2009 | 4 | 1 | Too few |
| 2010 | 3 | 0 | Too few |
| 2011 | 4 | 0 | Too few |
| 2012 | 5 | 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
296.9% (good)
214.8% (excellent)
6N/A
4N/A
1N/A
1N/A
1N/A
Portfolio summary
Total funded$29.4M
Charged off7 of 63
Risk tierAverage
Avg rate5.89%
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 Hana Bank USA National Association originated?
- 63 loans totaling $29.4M. The portfolio carries a 11.1% 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. Hana Bank USA National Association's rate of 11.1% 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 Hana Bank USA National Association fund the most?
- The “Top franchise exposures” table above lists the brands Hana Bank USA National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.