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SBA 7(a) franchise lending portfolio
IBERIABANK
CRITICAL risk
- Total loans
- 12
- Loan volume
- $5.5M
- Avg loan size
- $460K
- Default rate
- 25.0%
- vs 15.4% national avg
Defaults
3
Avg interest
—
Franchises funded
11
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Days Inn | 2 | $3.1M | 50.0% |
| Kilwin's Chocolates | 1 | $130K | 0.0% |
| Larry's Giant Subs | 1 | $85K | 0.0% |
| Arthur Treacher's | 1 | $40K | 0.0% |
| AAMCO Transmissions | 1 | $195K | 0.0% |
| Subway Sandwich Shop | 1 | $70K | 0.0% |
| Management Recruiters | 1 | $56K | 0.0% |
| Holiday Inn Express | 1 | $1.3M | 100.0% |
| General Nutrition Center | 1 | $88K | 0.0% |
| Huntington Learning Center | 1 | $120K | 100.0% |
| Sandler Sales Institute | 1 | $250K | 0.0% |
Lending volume by year
2'92
1'96
1'97
1'98
1'99
1'00
2'01
2'02
1'04
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%).