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SBA 7(a) franchise lending portfolio
Meadows Bank
EXCELLENT risk
- Total loans
- 257
- Loan volume
- $271.0M
- Avg loan size
- $1.1M
- Default 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% |
| Nothing Bundt Cakes | 37 | $12.6M | 0.0% |
| Primrose Schools | 28 | $56.1M | 0.0% |
| Primrose Schools | 23 | $66.3M | 0.0% |
| The UPS Store (f/k/a Mail Box | 6 | $2.2M | 0.0% |
| Bruster's Real Ice Cream | 5 | $1.9M | 0.0% |
| Primrose School (daycare) | 4 | $10.0M | 0.0% |
| Tropical Smoothie | 4 | $1.3M | 0.0% |
| Crumbl | 4 | $1.3M | 0.0% |
| Golden Corral | 3 | $8.0M | 0.0% |
| Papa Murphy's | 3 | $673K | 0.0% |
| Jimmy John's | 3 | $1.0M | 0.0% |
| Golden Corral | 3 | $6.9M | 0.0% |
| Hand And Stone | 3 | $2.5M | 0.0% |
| Hotworx | 3 | $1.0M | 0.0% |
| Tropical Smoothie Cafe | 3 | $701K | — |
| Moe's Sw Grill | 2 | $3.8M | 0.0% |
| The UPS Store | 2 | $769K | 0.0% |
| Luv 2 Play | 2 | $903K | 0.0% |
| Capriotti's Sandwich Shop | 2 | $500K | — |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
430.0%
380.0%
230.0%
200.0%
160.0%
140.0%
130.0%
1110.0%
100.0%
80.0%
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
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%).