I
SBA 7(a) franchise lending portfolio
InBank
CRITICAL risk
- Total loans
- 10
- Loan volume
- $5.5M
- Avg loan size
- $545K
- Charge-off rate
- 33.3%
- vs 15.4% national avg
Defaults
1
Avg interest
8.25%
Franchises funded
10
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 1 | $100K | 0.0% (low risk) |
| Cindy's Cinnamon Rolls | 1 | $100K | 100.0% (very high risk) |
| Mici Handcrafted Italian | 1 | $714K | N/A |
| Ziggi's Coffee | 1 | $50K | N/A |
| World Fuel Services - Wholesal | 1 | $2.1M | N/A |
| KidStrong | 1 | $366K | 0.0% (low risk) |
| The Glass Guru | 1 | $367K | N/A |
| Payroll Vault | 1 | $325K | N/A |
| Restoration 1 | 1 | $589K | N/A |
| Bonchon | 1 | $700K | N/A |
Lending volume by year
1'95
1'97
1'21
3'22
3'23
1'24
Geographic exposure
Portfolio summary
Total funded$5.5M
Defaults1 of 10
Risk tierCRITICAL
Avg rate8.25%
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 InBank originated?
- 10 loans totaling $5.5M. The portfolio carries a 33.3% 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 InBank fund the most?
- The “Top franchise exposures” table above lists the brands InBank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.