HS
SBA 7(a) franchise lending portfolio
Hana Small Business Lending, Inc.
Risk rating: Good
- Total loans
- 56
- Loan volume
- $85.9M
- Avg loan size
- $1.5M
- Charge-off rate
- 5.4%
- vs 16.0% national
Charged off
3
Avg interest
5.36%
Franchises funded
32
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Quality Inn/Quality Suites, Ho | 9 | $17.5M | N/A |
| Days Inn | 4 | $5.8M | N/A |
| Arco (gas Station) | 3 | $5.2M | N/A |
| Chevron (gas Station) | 3 | $3.4M | N/A |
| Shell Service Station | 3 | $6.1M | N/A |
| Econo Lodge | 3 | $9.2M | N/A |
| Dairy Queen | 2 | $926K | N/A |
| Sleep Inn/Sleep Inn & Suites | 2 | $4.1M | N/A |
| Wingstop | 2 | $1.2M | N/A |
| Travelodge | 2 | $2.6M | N/A |
| Valero | 2 | $740K | N/A |
| Caffebene | 2 | $545K | N/A |
| Barnie's Coffee & Tea Company | 1 | $400K | N/A |
| Denny's Restaurant | 1 | $1.1M | N/A |
| Best Western Inn | 1 | $3.1M | N/A |
| Jackson Food Stores, Inc. (Exx | 1 | $1.3M | N/A |
| RODEWAY INN | 1 | $1.5M | N/A |
| It's Boba Time | 1 | $1.3M | N/A |
| Hydrex Pest Control | 1 | $535K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2007 | 1 |
| FY2009 | 1 |
| FY2010 | 2 |
| FY2011 | 5 |
| FY2012 | 3 |
| FY2013 | 8 |
| FY2014 | 7 |
| FY2015 | 7 |
| FY2016 | 11 |
| FY2017 | 9 |
| FY2018 | 2 |
SBA 7(a) · charge-off rate by approval year
Hana Small Business Lending, Inc. charge-off rate by loan vintage
Only 1 of these 7 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 |
|---|---|---|---|
| 2011 | 5 | 0 | Too few |
| 2012 | 3 | 0 | Too few |
| 2013 | 8 | 0 | Too few |
| 2014 | 7 | 0 | Too few |
| 2015 | 7 | 2 | Too few |
| 2016 | 11 | 0 | 0.0% |
| 2017 | 9 | 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
1711.8% (average)
140.0% (excellent)
6N/A
4N/A
3N/A
2N/A
2N/A
1N/A
1N/A
1N/A
Portfolio summary
Total funded$85.9M
Charged off3 of 56
Risk tierGood
Avg rate5.36%
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 Small Business Lending, Inc. originated?
- 56 loans totaling $85.9M. The portfolio carries a 5.4% charge-off rate, earning a “Good” 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 Small Business Lending, Inc.'s rate of 5.4% 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 Small Business Lending, Inc. fund the most?
- The “Top franchise exposures” table above lists the brands Hana Small Business Lending, Inc. has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.