IN
SBA 7(a) franchise lending portfolio
INB, National Association
EXCELLENT risk
- Total loans
- 28
- Loan volume
- $4.6M
- Avg loan size
- $164K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.39%
Franchises funded
12
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Plato's Closet | 6 | $365K | 0.0% (low risk) |
| Godfather's Pizza | 5 | $367K | 0.0% (low risk) |
| True Value Hardware | 4 | $795K | 0.0% (low risk) |
| Clothes Mentor | 4 | $390K | 0.0% (low risk) |
| Subway Sandwich Shop | 2 | $584K | 0.0% (low risk) |
| Papa Murphy's Take & Bake Pizz | 1 | $126K | 0.0% (low risk) |
| Pepperidge Farms | 1 | $82K | 0.0% (low risk) |
| Mosquito Joe | 1 | $100K | 0.0% (low risk) |
| True Value Company LLC - Membe | 1 | $160K | 0.0% (low risk) |
| Magnolia Soap and Bath | 1 | $200K | N/A |
| Scooter's Coffee | 1 | $910K | N/A |
| Primrose Schools | 1 | $500K | 0.0% (low risk) |
Lending volume by year
1'00
1'01
1'04
4'05
1'06
1'07
2'08
2'10
1'11
1'12
4'13
3'14
1'15
1'16
1'18
1'21
1'22
1'23
INB, National Association charge-off rate by loan vintage
BrandNational avg
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 INB, National Association originated?
- 28 loans totaling $4.6M. 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 INB, National Association fund the most?
- The “Top franchise exposures” table above lists the brands INB, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.