LB
SBA 7(a) franchise lending portfolio
Leader Bank, National Association
EXCELLENT risk
- Total loans
- 43
- Loan volume
- $15.2M
- Avg loan size
- $355K
- Charge-off 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% (low risk) |
| Pinkberry | 4 | $1.6M | 0.0% (low risk) |
| Fish Window Cleaning | 2 | $100K | 0.0% (low risk) |
| The UPS Store (f/k/a Mail Box | 2 | $334K | 0.0% (low risk) |
| Drybar | 2 | $1.4M | N/A |
| Soccer Shots | 2 | $125K | N/A |
| MaidPro | 1 | $125K | 0.0% (low risk) |
| Signal 88 Security | 1 | $50K | 0.0% (low risk) |
| Ronzio | 1 | $60K | 0.0% (low risk) |
| Code Ninjas | 1 | $212K | 0.0% (low risk) |
| The NOW Massage | 1 | $660K | N/A |
| The Little Gym | 1 | $92K | N/A |
| Enviro-Master Services | 1 | $357K | N/A |
| Home Instead/Home Instead Seni | 1 | $1.5M | 0.0% (low risk) |
| Koala Insulation | 1 | $200K | N/A |
| Black Sheep Coffee | 1 | $700K | N/A |
| Nothing Bundt Cakes | 1 | $424K | N/A |
| King Fuels, Inc. (Exxon) Motor | 1 | $350K | N/A |
| Everline Coatings and Services | 1 | $350K | N/A |
| Next Day Access | 1 | $401K | N/A |
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% (low risk)
4N/A
3N/A
2N/A
2N/A
2N/A
1N/A
1N/A
10.0% (low risk)
1N/A
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
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 Leader Bank, National Association originated?
- 43 loans totaling $15.2M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Leader Bank, National Association fund the most?
- The “Top franchise exposures” table above lists the brands Leader 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.