HV
SBA 7(a) franchise lending portfolio
Huron Valley State Bank
EXCELLENT risk
- Total loans
- 10
- Loan volume
- $3.5M
- Avg loan size
- $346K
- Charge-off 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% (low risk) |
| Detroit Wing Company | 2 | $650K | 0.0% (low risk) |
| Batteries Plus | 2 | $425K | N/A |
| Jimmy John's | 1 | $250K | 0.0% (low risk) |
| Once Upon A Child | 1 | $227K | 0.0% (low risk) |
| Fuddruckers | 1 | $313K | 0.0% (low risk) |
| Biggby Coffee | 1 | $687K | N/A |
Lending volume by year
1'11
1'14
3'15
1'22
2'23
2'25
Geographic exposure
100.0% (low risk)
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
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 Huron Valley State Bank originated?
- 10 loans totaling $3.5M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Huron Valley State Bank fund the most?
- The “Top franchise exposures” table above lists the brands Huron Valley State 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.