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SBA 7(a) franchise lending portfolio
Lone Star Bank
AVERAGE risk
- Total loans
- 13
- Loan volume
- $14.8M
- Avg loan size
- $1.1M
- Default rate
- 12.5%
- vs 15.4% national avg
Defaults
1
Avg interest
5.84%
Franchises funded
11
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| A+ Transmission | 2 | $515K | 0.0% |
| Jimmy John's | 2 | $585K | — |
| Mr. Transmission | 1 | $250K | 100.0% |
| Liberty Tax Service | 1 | $85K | 0.0% |
| Servicemaster Clean | 1 | $1.5M | 0.0% |
| Motel 6 | 1 | $2.3M | — |
| PuroClean | 1 | $269K | — |
| Rodeway Inn by Choice Hotels/R | 1 | $2.9M | — |
| Ramada by Wyndham | 1 | $2.6M | 0.0% |
| Kolache Factory | 1 | $400K | 0.0% |
| La Quinta by Wyndham a.k.a. La | 1 | $3.5M | 0.0% |
Lending volume by year
3'08
1'09
1'16
1'18
3'19
3'21
1'22
Geographic exposure
1312.5%
Portfolio summary
Total funded$14.8M
Defaults1 of 13
Risk tierAVERAGE
Avg rate5.84%
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%).