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SBA 7(a) franchise lending portfolio
Hana Small Business Lending, Inc.
GOOD risk
- Total loans
- 56
- Loan volume
- $85.9M
- Avg loan size
- $1.5M
- Default rate
- 5.4%
- vs 15.4% national avg
Defaults
3
Avg interest
5.36%
Franchises funded
32
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quality Inn/Quality Suites, Ho | 9 | $17.5M | 0.0% |
| Days Inn | 4 | $5.8M | 0.0% |
| Arco (gas Station) | 3 | $5.2M | 0.0% |
| Chevron (gas Station) | 3 | $3.4M | 0.0% |
| Shell Service Station | 3 | $6.1M | 0.0% |
| Dairy Queen | 2 | $926K | 0.0% |
| Sleep Inn/Sleep Inn & Suites | 2 | $4.1M | 0.0% |
| Wingstop | 2 | $1.2M | 0.0% |
| Travelodge | 2 | $2.6M | 0.0% |
| Valero | 2 | $740K | 0.0% |
| Caffebene | 2 | $545K | 100.0% |
| Econo Lodge | 2 | $5.1M | 0.0% |
| Barnie's Coffee & Tea Company | 1 | $400K | 100.0% |
| Econo Lodge Motel | 1 | $4.1M | 0.0% |
| Denny's Restaurant | 1 | $1.1M | 0.0% |
| Best Western Inn | 1 | $3.1M | 0.0% |
| Jackson Food Stores, Inc. (Exx | 1 | $1.3M | 0.0% |
| Rodeway Inn | 1 | $1.5M | 0.0% |
| It's Boba Time | 1 | $1.3M | 0.0% |
| Hydrex Pest Control | 1 | $535K | 0.0% |
Lending volume by year
1'07
1'09
2'10
5'11
3'12
8'13
7'14
7'15
11'16
9'17
2'18
Hana Small Business Lending, Inc. default rate by loan vintage
BrandNational avg
Geographic exposure
1711.8%
140.0%
60.0%
40.0%
30.0%
20.0%
20.0%
10.0%
10.0%
10.0%
Portfolio summary
Total funded$85.9M
Defaults3 of 56
Risk tierGOOD
Avg rate5.36%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default 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%), Critical (>20%).