MB
SBA 7(a) franchise lending portfolio
Mega Bank
EXCELLENT risk
- Total loans
- 12
- Loan volume
- $18.7M
- Avg loan size
- $1.6M
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.02%
Franchises funded
10
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Yogurtland | 2 | $555K | 0.0% (low risk) |
| Arco (BP) Contract Dealer Gaso | 2 | $5.7M | 0.0% (low risk) |
| Yogurtland | 1 | $300K | 0.0% (low risk) |
| Super 8 by Wyndhan | 1 | $2.5M | 0.0% (low risk) |
| AM/PM Mini-Mart Agreement - AR | 1 | $2.2M | N/A |
| Tesoro Refining & Marketing Co | 1 | $1.3M | N/A |
| Circle K Convenience Store & M | 1 | $2.5M | N/A |
| Valley Pacific Petroleum Servi | 1 | $2.3M | 0.0% (low risk) |
| Wushiland Boba | 1 | $362K | N/A |
| Snap-On | 1 | $931K | N/A |
Lending volume by year
1'16
2'19
2'20
4'21
1'22
1'23
1'24
Geographic exposure
110.0% (low risk)
10.0% (low risk)
Portfolio summary
Total funded$18.7M
Defaults0 of 12
Risk tierEXCELLENT
Avg rate6.02%
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 Mega Bank originated?
- 12 loans totaling $18.7M. The portfolio carries a 0.0% 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 Mega Bank fund the most?
- The “Top franchise exposures” table above lists the brands Mega 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.