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SBA 7(a) franchise lending portfolio
INB, National Association
EXCELLENT risk
- Total loans
- 28
- Loan volume
- $4.6M
- Avg loan size
- $164K
- Default 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% |
| Godfather's Pizza | 5 | $367K | 0.0% |
| True Value Hardware | 4 | $795K | 0.0% |
| Clothes Mentor | 4 | $390K | 0.0% |
| Subway Sandwich Shop | 2 | $584K | 0.0% |
| Papa Murphy's Take & Bake Pizz | 1 | $126K | 0.0% |
| Pepperidge Farms | 1 | $82K | 0.0% |
| Mosquito Joe | 1 | $100K | 0.0% |
| True Value Company LLC - Membe | 1 | $160K | 0.0% |
| Magnolia Soap and Bath | 1 | $200K | — |
| Scooter's Coffee | 1 | $910K | — |
| Primrose Schools | 1 | $500K | 0.0% |
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 default rate by loan vintage
BrandNational avg
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%).