HB
SBA 7(a) franchise lending portfolio
Highland Bank
Risk rating: Good
- Total loans
- 53
- Loan volume
- $7.6M
- Avg loan size
- $144K
- Charge-off rate
- 8.5%
- vs 16.0% national
Charged off
4
Avg interest
6.31%
Franchises funded
35
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Hardware Hank | 3 | $295K | N/A |
| Bruegger's | 3 | $660K | N/A |
| Certified Restoration DryClean | 3 | $275K | N/A |
| Mail Boxes Etc. Usa | 2 | $150K | N/A |
| Fantastic Sam's | 2 | $235K | N/A |
| Sports Clips | 2 | $185K | N/A |
| Snap Fitness | 2 | $265K | N/A |
| Embroide Me.com | 2 | $115K | N/A |
| Great Steak And Potato Company | 2 | $80K | N/A |
| Management Recruiters | 2 | $130K | N/A |
| Anytime Fitness | 2 | $50K | N/A |
| Erbert & Gerbert's Subs & Club | 2 | $240K | N/A |
| Amerispec Home Inspection Serv | 2 | $190K | N/A |
| Face Foundrie | 2 | $913K | N/A |
| Mr. Electric | 2 | $370K | N/A |
| Music Go Round | 1 | $100K | N/A |
| Pearle Vision Center | 1 | $120K | N/A |
| Precision Tune | 1 | $75K | N/A |
| Realty Executive | 1 | $25K | N/A |
| Sir Speedy Printing Center | 1 | $140K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1995 | 1 |
| FY1996 | 2 |
| FY1997 | 3 |
| FY2001 | 1 |
| FY2002 | 1 |
| FY2003 | 1 |
| FY2004 | 2 |
| FY2005 | 5 |
| FY2006 | 5 |
| FY2007 | 2 |
| FY2009 | 2 |
| FY2010 | 2 |
| FY2011 | 1 |
| FY2012 | 2 |
| FY2013 | 1 |
| FY2014 | 3 |
| FY2015 | 5 |
| FY2016 | 3 |
| FY2017 | 3 |
| FY2018 | 1 |
| FY2022 | 3 |
| FY2025 | 3 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
Highland Bank charge-off rate by loan vintage
None 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 |
|---|---|---|---|
| 1997 | 3 | 1 | Too few |
| 2005 | 5 | 0 | Too few |
| 2006 | 5 | 1 | Too few |
| 2014 | 3 | 0 | Too few |
| 2015 | 5 | 0 | Too few |
| 2016 | 3 | 0 | Too few |
| 2017 | 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
518.5% (good)
2N/A
Portfolio summary
Total funded$7.6M
Charged off4 of 53
Risk tierGood
Avg rate6.31%
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 Highland Bank originated?
- 53 loans totaling $7.6M. The portfolio carries a 8.5% 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. Highland Bank's rate of 8.5% 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 Highland Bank fund the most?
- The “Top franchise exposures” table above lists the brands Highland 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.