MB
SBA 7(a) franchise lending portfolio
Meridian Bank, National Association
AVERAGE risk
- Total loans
- 27
- Loan volume
- $6.7M
- Avg loan size
- $247K
- Charge-off rate
- 11.1%
- vs 15.4% national avg
Defaults
3
Avg interest
6.00%
Franchises funded
21
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Meineke Car Care | 3 | $595K | 0.0% (low risk) |
| Koa Kampgrounds(kampgrounds Of | 2 | $1.1M | 0.0% (low risk) |
| Century 21 | 2 | $141K | 0.0% (low risk) |
| Schlotzsky's Sandwich Shop | 2 | $222K | 0.0% (low risk) |
| Servpro | 2 | $122K | 0.0% (low risk) |
| Dairy Queen | 1 | $50K | 0.0% (low risk) |
| Famous Sams | 1 | $151K | 100.0% (very high risk) |
| Fitness For Life Franchise Cor | 1 | $70K | 0.0% (low risk) |
| Mobil Oil (stations) | 1 | $880K | 0.0% (low risk) |
| Comfort Inn | 1 | $1.4M | 0.0% (low risk) |
| Alta Mere Window Tinting & Aut | 1 | $67K | 100.0% (very high risk) |
| Hobbytown Usa | 1 | $55K | 0.0% (low risk) |
| Deck The Walls | 1 | $120K | 0.0% (low risk) |
| MAACO Auto Painting Center | 1 | $440K | 0.0% (low risk) |
| Blimpie | 1 | $50K | 0.0% (low risk) |
| Fantastic Sam's | 1 | $95K | 0.0% (low risk) |
| Big O Tires | 1 | $146K | 0.0% (low risk) |
| Holiday Inn Express | 1 | $700K | 100.0% (very high risk) |
| Arizona Dryject | 1 | $60K | 0.0% (low risk) |
| Keller Williams Realty | 1 | $160K | 0.0% (low risk) |
Lending volume by year
2'93
6'94
6'95
4'96
4'97
2'98
1'00
1'04
1'12
Meridian Bank, National Association charge-off rate by loan vintage
BrandNational avg
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 Meridian Bank, National Association originated?
- 27 loans totaling $6.7M. The portfolio carries a 11.1% charge-off rate, earning a “AVERAGE” 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 Meridian Bank, National Association fund the most?
- The “Top franchise exposures” table above lists the brands Meridian Bank, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.