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SBA 7(a) franchise lending portfolio
Loans from Old Closed Lenders
GOOD risk
- Total loans
- 250
- Loan volume
- $128.0M
- Avg loan size
- $512K
- Default rate
- 9.2%
- vs 15.4% national avg
Defaults
23
Avg interest
—
Franchises funded
124
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Cici's Pizza | 21 | $4.3M | 28.6% |
| Super 8 Motel | 15 | $17.7M | 6.7% |
| Schlotzsky's Sandwich Shop | 9 | $5.8M | 0.0% |
| Big O Tires | 8 | $2.6M | 0.0% |
| Dairy Queen | 7 | $1.8M | 0.0% |
| Atlanta Bread Company | 6 | $1.6M | 33.3% |
| Ramada Inn | 6 | $7.8M | 16.7% |
| Chevron (gas Station) | 5 | $2.0M | 0.0% |
| Texaco Service Station | 5 | $4.4M | 0.0% |
| Kids R Kids | 5 | $5.0M | 0.0% |
| Dickey's Barbeque | 4 | $1.5M | 25.0% |
| Best Western Inn | 4 | $3.5M | 0.0% |
| MAACO Auto Painting Center | 4 | $1.3M | 0.0% |
| Jack-In-The-Box | 4 | $2.4M | 0.0% |
| Tutor Time | 3 | $453K | 33.3% |
| Subway Sandwich Shop | 3 | $514K | 0.0% |
| Days Inn | 3 | $3.2M | 0.0% |
| Meineke Car Care | 3 | $961K | 66.7% |
| Mountain Mike's Pizza | 3 | $491K | 0.0% |
| Denny's Restaurant | 3 | $2.2M | 0.0% |
Lending volume by year
4'92
5'93
14'94
29'95
45'96
51'97
50'98
33'99
14'00
3'01
2'02
Loans from Old Closed Lenders 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%).