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SBA 7(a) franchise lending portfolio
Hills Bank and Trust Company
AVERAGE risk
- Total loans
- 20
- Loan volume
- $2.7M
- Avg loan size
- $137K
- Default rate
- 10.5%
- vs 15.4% national avg
Defaults
2
Avg interest
5.50%
Franchises funded
16
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 3 | $504K | 0.0% |
| Alphagraphics, Printshops Of T | 2 | $350K | 0.0% |
| Ben Franklin Store | 2 | $248K | 0.0% |
| Breadeaux Pizza | 1 | $51K | 0.0% |
| K & N Mobile Distribution Syst | 1 | $75K | 0.0% |
| Play It Again Sports (retail S | 1 | $220K | 0.0% |
| Grand Slam Usa (indoor Soccer) | 1 | $25K | 0.0% |
| Border Magic | 1 | $72K | 100.0% |
| Hardware Hank | 1 | $168K | 0.0% |
| 1-888-Wow-1day! Painting | 1 | $87K | 0.0% |
| Mr. Goodcents Subs & Pastas | 1 | $125K | 100.0% |
| Merle Norman Cosmetics | 1 | $58K | 0.0% |
| Plato's Closet | 1 | $180K | 0.0% |
| Winans Fine Chocolates & Coffe | 1 | $126K | 0.0% |
| Music Go Round | 1 | $100K | 0.0% |
| Woodcraft | 1 | $350K | — |
Lending volume by year
1'94
1'95
1'06
2'07
2'08
2'09
2'10
2'11
1'12
2'13
1'14
2'15
1'22
Geographic exposure
2010.5%
Portfolio summary
Total funded$2.7M
Defaults2 of 20
Risk tierAVERAGE
Avg rate5.50%
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%).