![Huron Valley State Bank logo](https://cdn.brandfetch.io/huronvalleystatebank.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
Huron Valley State Bank
EXCELLENT risk
- Total loans
- 10
- Loan volume
- $3.5M
- Avg loan size
- $346K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
7.08%
Franchises funded
7
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Servicemaster Clean | 2 | $910K | 0.0% |
| Detroit Wing Company | 2 | $650K | 0.0% |
| Batteries Plus | 2 | $425K | — |
| Jimmy John's | 1 | $250K | 0.0% |
| Once Upon A Child | 1 | $227K | 0.0% |
| Fuddruckers | 1 | $313K | 0.0% |
| Biggby Coffee | 1 | $687K | — |
Lending volume by year
1'11
1'14
3'15
1'22
2'23
2'25
Geographic exposure
100.0%
Portfolio summary
Total funded$3.5M
Defaults0 of 10
Risk tierEXCELLENT
Avg rate7.08%
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%).