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SBA 7(a) franchise lending portfolio
Main Bank
CRITICAL risk
- Total loans
- 10
- Loan volume
- $4.6M
- Avg loan size
- $460K
- Default 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% |
| Subway Sandwich Shop | 2 | $285K | 0.0% |
| Cold Stone Creamery, Inc. | 2 | $1.1M | 0.0% |
| Merle Norman Cosmetics | 1 | $25K | 0.0% |
| Hangers | 1 | $775K | 0.0% |
| Dunkin' Donut/Baskin-Robbins C | 1 | $1.6M | 0.0% |
Lending volume by year
2'99
2'00
1'02
2'09
2'11
1'21
Geographic exposure
1020.0%
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
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%).