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SBA 7(a) franchise lending portfolio
InBank
CRITICAL risk
- Total loans
- 10
- Loan volume
- $5.5M
- Avg loan size
- $545K
- Default 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% |
| Cindy's Cinnamon Rolls | 1 | $100K | 100.0% |
| Mici Handcrafted Italian | 1 | $714K | — |
| Ziggi's Coffee | 1 | $50K | — |
| World Fuel Services - Wholesal | 1 | $2.1M | — |
| KidStrong | 1 | $366K | 0.0% |
| The Glass Guru | 1 | $367K | — |
| Payroll Vault | 1 | $325K | — |
| Restoration 1 | 1 | $589K | — |
| Bonchon | 1 | $700K | — |
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
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%).