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SBA 7(a) franchise lending portfolio
Hinsdale Bank & Trust Company, National Association
EXCELLENT risk
- Total loans
- 29
- Loan volume
- $18.7M
- Avg loan size
- $644K
- Default rate
- 4.3%
- vs 15.4% national avg
Defaults
1
Avg interest
5.90%
Franchises funded
19
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway | 5 | $1.3M | 0.0% |
| Cd One Price Cleaners | 3 | $1.3M | 0.0% |
| Mr. Transmission | 2 | $190K | 50.0% |
| Tuffy Tire & Auto Service | 2 | $755K | 0.0% |
| Home Helpers | 2 | $1.7M | 0.0% |
| The Great American Bagel | 2 | $430K | — |
| Soccer Post | 1 | $100K | 0.0% |
| Anytime Fitness | 1 | $2.3M | — |
| Real Property Management | 1 | $50K | 0.0% |
| Brown's Chicken & Pasta | 1 | $350K | 0.0% |
| Papa John's Pizza | 1 | $242K | 0.0% |
| Ramada Inn | 1 | $2.5M | 0.0% |
| Super 8 | 1 | $2.2M | 0.0% |
| Shell Service Station | 1 | $750K | 0.0% |
| Country Inns & Suites By Carls | 1 | $3.2M | 0.0% |
| Subway Sandwich Shop | 1 | $315K | 0.0% |
| D-Bat | 1 | $500K | — |
| Window World | 1 | $306K | — |
| Home Helpers Home Care | 1 | $340K | 0.0% |
Lending volume by year
1'96
1'97
1'99
1'12
5'13
3'14
2'15
4'16
3'17
2'18
1'19
1'20
1'21
3'25
Hinsdale Bank & Trust Company, National Association default rate by loan vintage
BrandNational avg
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%).