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SBA 7(a) franchise lending portfolio
Industrial Bank
EXCELLENT risk
- Total loans
- 14
- Loan volume
- $9.1M
- Avg loan size
- $650K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
7.06%
Franchises funded
12
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Nothing Bundt Cakes | 2 | $1.1M | — |
| Jinya Ramen Bar | 2 | $4.7M | — |
| Burger King | 1 | $100K | 0.0% |
| Jiffy Lube | 1 | $200K | 0.0% |
| Rita's Real Italian Water Ice | 1 | $190K | — |
| Quiznos | 1 | $308K | — |
| Ledo Pizza | 1 | $130K | 0.0% |
| International House Of Pancake | 1 | $915K | 0.0% |
| Bruster's | 1 | $350K | 0.0% |
| H.u.m.a.n. | 1 | $75K | 0.0% |
| Ledo Pizza | 1 | $730K | — |
| Pure Green | 1 | $328K | — |
Lending volume by year
1'95
1'97
1'05
2'08
1'10
1'14
1'15
2'21
1'22
1'24
2'25
Geographic exposure
Portfolio summary
Total funded$9.1M
Defaults0 of 14
Risk tierEXCELLENT
Avg rate7.06%
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%).