MB
SBA 7(a) franchise lending portfolio
Meadows Bank
EXCELLENT risk
- Total loans
- 257
- Loan volume
- $271.0M
- Avg loan size
- $1.1M
- Charge-off rate
- 1.2%
- vs 15.4% national avg
Defaults
2
Avg interest
6.26%
Franchises funded
82
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Nothing Bundt Cakes | 47 | $23.1M | 0.0% (low risk) |
| Nothing Bundt Cakes | 37 | $12.6M | 0.0% (low risk) |
| Primrose Schools | 28 | $56.1M | 0.0% (low risk) |
| Primrose Schools | 23 | $66.3M | 0.0% (low risk) |
| The UPS Store (f/k/a Mail Box | 6 | $2.2M | 0.0% (low risk) |
| Bruster's Real Ice Cream | 5 | $1.9M | 0.0% (low risk) |
| Primrose School (daycare) | 4 | $10.0M | 0.0% (low risk) |
| Tropical Smoothie | 4 | $1.3M | 0.0% (low risk) |
| Crumbl | 4 | $1.3M | 0.0% (low risk) |
| Golden Corral | 3 | $8.0M | 0.0% (low risk) |
| Papa Murphy's | 3 | $673K | 0.0% (low risk) |
| Jimmy John's | 3 | $1.0M | 0.0% (low risk) |
| Golden Corral | 3 | $6.9M | 0.0% (low risk) |
| Hand And Stone | 3 | $2.5M | 0.0% (low risk) |
| Hotworx | 3 | $1.0M | 0.0% (low risk) |
| Tropical Smoothie Cafe | 3 | $701K | N/A |
| Moe's Sw Grill | 2 | $3.8M | 0.0% (low risk) |
| The UPS Store | 2 | $769K | 0.0% (low risk) |
| Luv 2 Play | 2 | $903K | 0.0% (low risk) |
| Capriotti's Sandwich Shop | 2 | $500K | N/A |
Lending volume by year
6'11
2'12
10'13
15'14
31'15
24'16
22'17
24'18
17'19
20'20
35'21
17'22
10'23
13'24
11'25
Meadows Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
430.0% (low risk)
380.0% (low risk)
230.0% (low risk)
200.0% (low risk)
160.0% (low risk)
140.0% (low risk)
130.0% (low risk)
1110.0% (elevated risk)
100.0% (low risk)
80.0% (low risk)
Portfolio summary
Total funded$271.0M
Defaults2 of 257
Risk tierEXCELLENT
Avg rate6.26%
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 Meadows Bank originated?
- 257 loans totaling $271.0M. The portfolio carries a 1.2% charge-off rate, earning a “EXCELLENT” 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 Meadows Bank fund the most?
- The “Top franchise exposures” table above lists the brands Meadows 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.