JC
SBA 7(a) franchise lending portfolio
JPMorgan Chase Bank, National Association
AVERAGE risk
- Total loans
- 3,108
- Loan volume
- $753.3M
- Avg loan size
- $242K
- Charge-off rate
- 14.2%
- vs 15.4% national avg
Defaults
411
Avg interest
6.54%
Franchises funded
1,093
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quiznos | 148 | $20.9M | 13.5% (elevated risk) |
| Subway Sandwich Shop | 135 | $19.8M | 4.5% (low risk) |
| Jimmy John's | 52 | $16.0M | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 43 | $5.6M | 11.6% (elevated risk) |
| Mary Kay Cosmetics | 30 | $110K | 46.7% (very high risk) |
| The UPS Store | 30 | $4.2M | 6.9% (moderate risk) |
| Dairy Queen | 27 | $5.6M | 22.2% (very high risk) |
| Smoothie King (health Food Sto | 22 | $2.6M | 18.2% (high risk) |
| Massage Envy | 22 | $6.0M | 0.0% (low risk) |
| Great Clips | 20 | $4.5M | 0.0% (low risk) |
| Subway | 20 | $2.4M | 0.0% (low risk) |
| AAMCO Transmissions | 19 | $2.8M | 22.2% (very high risk) |
| Ace Hardware | 19 | $12.0M | 7.1% (moderate risk) |
| Wingstop Restaurant | 19 | $4.0M | 5.3% (moderate risk) |
| Domino's Pizza | 18 | $2.5M | 0.0% (low risk) |
| Anytime Fitness | 18 | $3.7M | 0.0% (low risk) |
| Blimpie | 17 | $2.4M | 64.7% (very high risk) |
| Servpro | 17 | $4.3M | 0.0% (low risk) |
| Fedex Ground | 17 | $3.4M | 0.0% (low risk) |
| Little Ceasar's Pizza | 16 | $4.8M | 6.2% (moderate risk) |
Lending volume by year
42'92
26
62
107
105
96'97
92
107
167
99
155'02
147
129
118
38
53'07
71
23
78
133
106'12
146
146
186
161
148'17
135
98
43
7
20'22
28
16
14
6'26
JPMorgan Chase Bank, National Association charge-off rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Geographic exposure
87622.0% (very high risk)
35913.2% (elevated risk)
2595.7% (moderate risk)
22011.5% (elevated risk)
16910.7% (elevated risk)
1519.9% (moderate risk)
15113.4% (elevated risk)
1288.3% (moderate risk)
12816.4% (high risk)
1067.7% (moderate risk)
Portfolio summary
Total funded$753.3M
Defaults411 of 3,108
Risk tierAVERAGE
Avg rate6.54%
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 JPMorgan Chase Bank, National Association originated?
- 3,108 loans totaling $753.3M. The portfolio carries a 14.2% 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 JPMorgan Chase Bank, National Association fund the most?
- The “Top franchise exposures” table above lists the brands JPMorgan Chase Bank, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.