MB
SBA 7(a) franchise lending portfolio
Meadows Bank
Risk rating: Excellent
- Total loans
- 257
- Loan volume
- $271.0M
- Avg loan size
- $1.1M
- Charge-off rate
- 1.2%
- vs 16.0% national
Charged off
2
Avg interest
6.26%
Franchises funded
82
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Nothing Bundt Cakes | 84 | $35.7M | 0.0% (excellent) |
| Primrose Schools | 55 | $132.4M | N/A |
| The UPS Store (f/k/a Mail Box | 8 | $2.9M | N/A |
| Tropical Smoothie | 7 | $2.0M | N/A |
| Golden Corral | 6 | $14.9M | N/A |
| Bruster's Real Ice Cream | 5 | $1.9M | N/A |
| Crumbl | 4 | $1.3M | N/A |
| Papa Murphy's | 3 | $673K | N/A |
| Jimmy John's | 3 | $1.0M | N/A |
| Hand And Stone | 3 | $2.5M | N/A |
| Hotworx | 3 | $1.0M | N/A |
| Moe's Sw Grill | 2 | $3.8M | N/A |
| Luv 2 Play | 2 | $903K | N/A |
| Capriotti's Sandwich Shop | 2 | $500K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2011 | 6 |
| FY2012 | 2 |
| FY2013 | 10 |
| FY2014 | 15 |
| FY2015 | 31 |
| FY2016 | 24 |
| FY2017 | 22 |
| FY2018 | 24 |
| FY2019 | 17 |
| FY2020 | 20 |
| FY2021 | 35 |
| FY2022 | 17 |
| FY2023 | 10 |
| FY2024 | 13 |
| FY2025 | 11 |
SBA 7(a) · charge-off rate by approval year
Meadows Bank: below all franchise loans in 8 of 9 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2011 | 6 | 0 | Too few |
| 2013 | 10 | 1 | 10.0% |
| 2014 | 15 | 0 | 0.0% |
| 2015 | 27 | 1 | 3.7% |
| 2016 | 21 | 0 | 0.0% |
| 2017 | 16 | 0 | 0.0% |
| 2018 | 19 | 0 | 0.0% |
| 2019 | 13 | 0 | 0.0% |
| 2020 | 11 | 0 | 0.0% |
| 2021 | 17 | 0 | 0.0% |
| 2022 | 6 | 0 | Too early |
| 2024 | 4 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
430.0% (excellent)
380.0% (excellent)
230.0% (excellent)
200.0% (excellent)
160.0% (excellent)
140.0% (excellent)
130.0% (excellent)
1110.0% (average)
100.0% (excellent)
8N/A
Portfolio summary
Total funded$271.0M
Charged off2 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Meadows Bank's rate of 1.2% is below the national rate.
- 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.