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SBA 7(a) franchise lending portfolio
Mechanics and Farmers Bank
CRITICAL risk
- Total loans
- 14
- Loan volume
- $4.8M
- Avg loan size
- $340K
- Default rate
- 100.0%
- vs 15.4% national avg
Defaults
1
Avg interest
9.71%
Franchises funded
12
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Smoothie King | 2 | $420K | — |
| Cinnaholic | 2 | $837K | — |
| All Tune And Lube | 1 | $39K | 100.0% |
| Zoom Room | 1 | $300K | — |
| Epic Wings/Epic Wings N Things | 1 | $560K | — |
| LIVE Hydration Spa | 1 | $318K | — |
| Pure Green | 1 | $395K | — |
| Domino's | 1 | $200K | — |
| Signarama | 1 | $800K | — |
| Top Rail Fence | 1 | $207K | — |
| Poolwerx | 1 | $150K | — |
| Avendelle (fka The Haven) | 1 | $530K | — |
Lending volume by year
1'92
3'22
1'24
8'25
1'26
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%).