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SBA 7(a) franchise lending portfolio
INSOUTH Bank
AVERAGE risk
- Total loans
- 10
- Loan volume
- $4.5M
- Avg loan size
- $454K
- Default rate
- 10.0%
- vs 15.4% national avg
Defaults
1
Avg interest
—
Franchises funded
8
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Servpro | 3 | $1.7M | 33.3% |
| Steak N Shake | 1 | $455K | 0.0% |
| Subway Sandwich Shop | 1 | $96K | 0.0% |
| Sir Speedy Printing Center | 1 | $578K | 0.0% |
| Meineke Car Care | 1 | $350K | 0.0% |
| Jersey Mike's (deli Restaurant | 1 | $240K | 0.0% |
| Best Western Inn | 1 | $1.0M | 0.0% |
| Crown Trophy | 1 | $78K | 0.0% |
Lending volume by year
1'99
1'00
2'02
1'03
1'04
3'05
1'08
Geographic exposure
1010.0%
Portfolio summary
Total funded$4.5M
Defaults1 of 10
Risk tierAVERAGE
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%).