HB
SBA 7(a) franchise lending portfolio
Hyperion Bank
CRITICAL risk
- Total loans
- 11
- Loan volume
- $7.8M
- Avg loan size
- $707K
- Charge-off rate
- 25.0%
- vs 15.4% national avg
Defaults
1
Avg interest
7.75%
Franchises funded
10
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Mobility Plus | 2 | $250K | N/A |
| Primohoagies | 1 | $569K | N/A |
| PrimoHoagies | 1 | $486K | 100.0% (very high risk) |
| Nardellli's Resturant | 1 | $560K | 0.0% (low risk) |
| Precision Door Service | 1 | $726K | 0.0% (low risk) |
| Town Square Innovative Adult D | 1 | $1.8M | 0.0% (low risk) |
| Baymont by Wyndham aka Baymont | 1 | $1.9M | N/A |
| All Dry | 1 | $296K | N/A |
| Paris Baguette | 1 | $838K | N/A |
| Santucci's Original Square Piz | 1 | $316K | N/A |
Lending volume by year
1'15
1'16
2'18
1'21
1'22
1'24
4'25
Geographic exposure
50.0% (low risk)
30.0% (low risk)
2100.0% (very high risk)
10.0% (low risk)
Portfolio summary
Total funded$7.8M
Defaults1 of 11
Risk tierCRITICAL
Avg rate7.75%
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 Hyperion Bank originated?
- 11 loans totaling $7.8M. The portfolio carries a 25.0% charge-off rate, earning a “CRITICAL” 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 Hyperion Bank fund the most?
- The “Top franchise exposures” table above lists the brands Hyperion 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.