MB
SBA 7(a) franchise lending portfolio
Main Bank
CRITICAL risk
- Total loans
- 10
- Loan volume
- $4.6M
- Avg loan size
- $460K
- Charge-off rate
- 20.0%
- vs 15.4% national avg
Defaults
2
Avg interest
5.75%
Franchises funded
6
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dunkin Donuts | 3 | $740K | 66.7% (very high risk) |
| Subway Sandwich Shop | 2 | $285K | 0.0% (low risk) |
| Cold Stone Creamery, Inc. | 2 | $1.1M | 0.0% (low risk) |
| Merle Norman Cosmetics | 1 | $25K | 0.0% (low risk) |
| Hangers | 1 | $775K | 0.0% (low risk) |
| Dunkin' Donut/Baskin-Robbins C | 1 | $1.6M | 0.0% (low risk) |
Lending volume by year
2'99
2'00
1'02
2'09
2'11
1'21
Geographic exposure
1020.0% (very high risk)
Portfolio summary
Total funded$4.6M
Defaults2 of 10
Risk tierCRITICAL
Avg rate5.75%
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 Main Bank originated?
- 10 loans totaling $4.6M. The portfolio carries a 20.0% charge-off rate, earning a “CRITICAL” 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 Main Bank fund the most?
- The “Top franchise exposures” table above lists the brands Main 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.