IB
SBA 7(a) franchise lending portfolio
INSOUTH Bank
AVERAGE risk
- Total loans
- 10
- Loan volume
- $4.5M
- Avg loan size
- $454K
- Charge-off rate
- 10.0%
- vs 15.4% national avg
Defaults
1
Avg interest
N/A
Franchises funded
8
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Servpro | 3 | $1.7M | 33.3% (very high risk) |
| Steak N Shake | 1 | $455K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $96K | 0.0% (low risk) |
| Sir Speedy Printing Center | 1 | $578K | 0.0% (low risk) |
| Meineke Car Care | 1 | $350K | 0.0% (low risk) |
| Jersey Mike's (deli Restaurant | 1 | $240K | 0.0% (low risk) |
| Best Western Inn | 1 | $1.0M | 0.0% (low risk) |
| Crown Trophy | 1 | $78K | 0.0% (low risk) |
Lending volume by year
1'99
1'00
2'02
1'03
1'04
3'05
1'08
Geographic exposure
1010.0% (elevated risk)
Portfolio summary
Total funded$4.5M
Defaults1 of 10
Risk tierAVERAGE
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 INSOUTH Bank originated?
- 10 loans totaling $4.5M. The portfolio carries a 10.0% charge-off rate, earning a “AVERAGE” 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 INSOUTH Bank fund the most?
- The “Top franchise exposures” table above lists the brands INSOUTH Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.