LS
SBA 7(a) franchise lending portfolio
Lincoln Savings Bank
Risk rating: Average
- Total loans
- 59
- Loan volume
- $32.0M
- Avg loan size
- $542K
- Charge-off rate
- 14.3%
- vs 16.0% national
Charged off
3
Avg interest
7.85%
Franchises funded
40
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Escapology | 6 | $3.0M | N/A |
| Perspire Sauna Studio | 4 | $1.9M | N/A |
| Anytime Fitness | 3 | $1.7M | N/A |
| Crave Hot Dogs and BBQ | 3 | $3.5M | N/A |
| Great American Cookies | 2 | $820K | N/A |
| Quiznos | 2 | $288K | N/A |
| Muzak | 2 | $2.2M | N/A |
| Mood Media - License Agreement | 2 | $1.1M | N/A |
| Hounds Town USA | 2 | $1.6M | N/A |
| Pinspiration | 2 | $300K | N/A |
| F45 Training | 2 | $300K | N/A |
| Pronto Markets | 1 | $228K | N/A |
| Hallmark Card Shop | 1 | $28K | N/A |
| Pretzelmaker | 1 | $290K | N/A |
| Your Pie | 1 | $340K | N/A |
| Hurricane Grill | 1 | $1.3M | N/A |
| Clean Laundry (License Agreeme | 1 | $855K | N/A |
| Camp Run-A-Mutt | 1 | $327K | N/A |
| Gamers Inc. | 1 | $95K | N/A |
| The Brass Tap | 1 | $631K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1993 | 1 |
| FY1995 | 1 |
| FY2000 | 1 |
| FY2001 | 1 |
| FY2002 | 1 |
| FY2005 | 2 |
| FY2011 | 1 |
| FY2014 | 1 |
| FY2015 | 1 |
| FY2016 | 1 |
| FY2017 | 3 |
| FY2018 | 1 |
| FY2019 | 2 |
| FY2020 | 4 |
| FY2021 | 9 |
| FY2022 | 11 |
| FY2023 | 14 |
| FY2024 | 3 |
| FY2025 | 1 |
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 Lincoln Savings Bank originated?
- 59 loans totaling $32.0M. The portfolio carries a 14.3% 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Lincoln Savings Bank's rate of 14.3% is below the national rate.
- 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 Lincoln Savings Bank fund the most?
- The “Top franchise exposures” table above lists the brands Lincoln Savings Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.