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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
- Default 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% |
| Subway Sandwich Shop | 135 | $19.8M | 4.5% |
| Jimmy John's | 52 | $16.0M | 0.0% |
| Mail Boxes Etc. Usa | 43 | $5.6M | 11.6% |
| Mary Kay Cosmetics | 30 | $110K | 46.7% |
| The UPS Store | 30 | $4.2M | 6.9% |
| Dairy Queen | 27 | $5.6M | 22.2% |
| Smoothie King (health Food Sto | 22 | $2.6M | 18.2% |
| Massage Envy | 22 | $6.0M | 0.0% |
| Great Clips | 20 | $4.5M | 0.0% |
| Subway | 20 | $2.4M | 0.0% |
| AAMCO Transmissions | 19 | $2.8M | 22.2% |
| Ace Hardware | 19 | $12.0M | 7.1% |
| Wingstop Restaurant | 19 | $4.0M | 5.3% |
| Domino's Pizza | 18 | $2.5M | 0.0% |
| Anytime Fitness | 18 | $3.7M | 0.0% |
| Blimpie | 17 | $2.4M | 64.7% |
| Servpro | 17 | $4.3M | 0.0% |
| Fedex Ground | 17 | $3.4M | 0.0% |
| Little Ceasar's Pizza | 16 | $4.8M | 6.2% |
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 default rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
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%).