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SBA 7(a) franchise lending portfolio
Leader Bank, National Association
EXCELLENT risk
- Total loans
- 43
- Loan volume
- $15.2M
- Avg loan size
- $355K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
8.02%
Franchises funded
31
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The UPS Store | 6 | $475K | 0.0% |
| Pinkberry | 4 | $1.6M | 0.0% |
| Fish Window Cleaning | 2 | $100K | 0.0% |
| The UPS Store (f/k/a Mail Box | 2 | $334K | 0.0% |
| Drybar | 2 | $1.4M | — |
| Soccer Shots | 2 | $125K | — |
| MaidPro | 1 | $125K | 0.0% |
| Signal 88 Security | 1 | $50K | 0.0% |
| Ronzio | 1 | $60K | 0.0% |
| Code Ninjas | 1 | $212K | 0.0% |
| The NOW Massage | 1 | $660K | — |
| The Little Gym | 1 | $92K | — |
| Enviro-Master Services | 1 | $357K | — |
| Home Instead/Home Instead Seni | 1 | $1.5M | 0.0% |
| Koala Insulation | 1 | $200K | — |
| Black Sheep Coffee | 1 | $700K | — |
| Nothing Bundt Cakes | 1 | $424K | — |
| King Fuels, Inc. (Exxon) Motor | 1 | $350K | — |
| Everline Coatings and Services | 1 | $350K | — |
| Next Day Access | 1 | $401K | — |
Lending volume by year
1'10
1'11
2'13
1'14
3'15
4'16
2'18
3'19
1'20
2'21
2'22
2'23
4'24
15'25
Geographic exposure
240.0%
4—
2—
2—
1—
10.0%
1—
Portfolio summary
Total funded$15.2M
Defaults0 of 43
Risk tierEXCELLENT
Avg rate8.02%
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%).