HB
SBA 7(a) franchise lending portfolio
Highland Bank
GOOD risk
- Total loans
- 53
- Loan volume
- $7.6M
- Avg loan size
- $144K
- Charge-off rate
- 8.5%
- vs 15.4% national avg
Defaults
4
Avg interest
6.31%
Franchises funded
35
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Hardware Hank | 3 | $295K | 33.3% (very high risk) |
| Bruegger's | 3 | $660K | 0.0% (low risk) |
| Certified Restoration DryClean | 3 | $275K | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 2 | $150K | 0.0% (low risk) |
| Fantastic Sam's | 2 | $235K | 50.0% (very high risk) |
| Sports Clips | 2 | $185K | 0.0% (low risk) |
| Snap Fitness | 2 | $265K | 0.0% (low risk) |
| Embroide Me.com | 2 | $115K | 0.0% (low risk) |
| Great Steak And Potato Company | 2 | $80K | 0.0% (low risk) |
| Management Recruiters | 2 | $130K | 0.0% (low risk) |
| Anytime Fitness | 2 | $50K | 0.0% (low risk) |
| Erbert & Gerbert's Subs & Club | 2 | $240K | 0.0% (low risk) |
| Amerispec Home Inspection Serv | 2 | $190K | 0.0% (low risk) |
| Face Foundrie | 2 | $913K | N/A |
| Mr. Electric | 2 | $370K | N/A |
| Music Go Round | 1 | $100K | 100.0% (very high risk) |
| Pearle Vision Center | 1 | $120K | 0.0% (low risk) |
| Precision Tune | 1 | $75K | 100.0% (very high risk) |
| Realty Executive | 1 | $25K | 0.0% (low risk) |
| Sir Speedy Printing Center | 1 | $140K | 0.0% (low risk) |
Lending volume by year
1'95
2
3
1
1
1'03
2
5
5
2
2'09
2
1
2
1
3'14
5
3
3
1
3'22
3
1'26
Highland Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
518.5% (moderate risk)
2N/A
Portfolio summary
Total funded$7.6M
Defaults4 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). 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 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.