HB
SBA 7(a) franchise lending portfolio
Hana Bank USA National Association
AVERAGE risk
- Total loans
- 63
- Loan volume
- $29.4M
- Avg loan size
- $466K
- Charge-off rate
- 11.1%
- vs 15.4% national avg
Defaults
7
Avg interest
5.89%
Franchises funded
39
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Blimpie | 6 | $418K | 16.7% (high risk) |
| Dunkin Donuts | 6 | $6.1M | 0.0% (low risk) |
| Cold Stone Creamery, Inc. | 5 | $1.1M | 0.0% (low risk) |
| Subway Sandwich Shop | 3 | $285K | 0.0% (low risk) |
| Meineke Car Care | 3 | $912K | 0.0% (low risk) |
| Gosh Enterprises | 2 | $240K | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 2 | $170K | 0.0% (low risk) |
| Quiznos | 2 | $380K | 50.0% (very high risk) |
| Tcby | 2 | $108K | 0.0% (low risk) |
| Charley's Steakery Fresh Grill | 2 | $140K | 0.0% (low risk) |
| Golden Krust Caribbean Bakery | 2 | $258K | 0.0% (low risk) |
| Lee Myles Automotive Transmiss | 1 | $115K | 0.0% (low risk) |
| Seven-Eleven (7-11) Food Store | 1 | $100K | 0.0% (low risk) |
| Ranch 1 Group, Inc. | 1 | $125K | 0.0% (low risk) |
| Imagine That !!! | 1 | $245K | 0.0% (low risk) |
| Nathan's Famous | 1 | $200K | 0.0% (low risk) |
| Colorall | 1 | $78K | 0.0% (low risk) |
| Yogurberry | 1 | $150K | 0.0% (low risk) |
| Kentucky Fried Chicken | 1 | $637K | 100.0% (very high risk) |
| Goodyear Tire | 1 | $400K | 0.0% (low risk) |
Lending volume by year
1'94
7'95
1'96
4'97
1'98
1'00
5'03
4'04
4'05
9'06
4'07
5'08
4'09
3'10
4'11
5'12
1'13
Hana Bank USA National Association charge-off rate by loan vintage
BrandNational avg
Geographic exposure
296.9% (moderate risk)
214.8% (low risk)
633.3% (very high risk)
425.0% (very high risk)
1100.0% (very high risk)
10.0% (low risk)
10.0% (low risk)
Portfolio summary
Total funded$29.4M
Defaults7 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). 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 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.