I
SBA 7(a) franchise lending portfolio
InterBank
CRITICAL risk
- Total loans
- 26
- Loan volume
- $6.1M
- Avg loan size
- $235K
- Charge-off rate
- 34.8%
- vs 15.4% national avg
Defaults
8
Avg interest
5.96%
Franchises funded
20
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Marble Slab Creamery | 3 | $780K | 100.0% (very high risk) |
| Sheridan's Frozen Custard | 2 | $577K | 50.0% (very high risk) |
| Mr. Jim's Pizza | 2 | $149K | 0.0% (low risk) |
| Images 4 Kids | 2 | $131K | 50.0% (very high risk) |
| The UPS Store (f/k/a Mail Box | 2 | $149K | N/A |
| Western Sizzlin Steak House | 1 | $750K | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 1 | $95K | 100.0% (very high risk) |
| Servistar Corp. | 1 | $150K | 0.0% (low risk) |
| Curves For Women | 1 | $44K | 0.0% (low risk) |
| Quiznos | 1 | $225K | 100.0% (very high risk) |
| Mcdonald's | 1 | $752K | 0.0% (low risk) |
| Batteries Plus | 1 | $150K | 0.0% (low risk) |
| Image Arts Etc. | 1 | $50K | 0.0% (low risk) |
| Cold Stone Creamery, Inc. | 1 | $125K | 0.0% (low risk) |
| Nothing But Noodles | 1 | $475K | 100.0% (very high risk) |
| Daylight Donut Shop | 1 | $88K | 0.0% (low risk) |
| Simple Simon's Pizza | 1 | $58K | 0.0% (low risk) |
| Painting With A Twist | 1 | $50K | 0.0% (low risk) |
| Chevrolet | 1 | $1.2M | 0.0% (low risk) |
| Bee Healty Cafe | 1 | $125K | N/A |
Lending volume by year
2'94
1'96
3'00
2'03
4'04
4'05
3'06
2'09
1'13
1'15
2'22
1'23
InterBank charge-off rate by loan vintage
BrandNational avg
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 InterBank originated?
- 26 loans totaling $6.1M. The portfolio carries a 34.8% 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 InterBank fund the most?
- The “Top franchise exposures” table above lists the brands InterBank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.