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SBA 7(a) franchise lending portfolio
Milton National Bank
EXCELLENT risk
- Total loans
- 31
- Loan volume
- $15.3M
- Avg loan size
- $494K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
—
Franchises funded
21
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dunkin Donuts | 6 | $2.8M | 0.0% |
| Discovery Point | 4 | $4.1M | 0.0% |
| Kids R Kids | 2 | $2.4M | 0.0% |
| Mellow Mushroom | 2 | $960K | 0.0% |
| Econo Lub N Tune | 1 | $70K | 0.0% |
| Speedy Sign-O-Rama | 1 | $100K | 0.0% |
| Atec Grand Slam Usa Academy | 1 | $900K | 0.0% |
| Play It Again Sports (retail S | 1 | $150K | 0.0% |
| Filterfresh (coffee Service) | 1 | $500K | 0.0% |
| Mail Boxes Etc. Usa | 1 | $165K | 0.0% |
| Petland | 1 | $200K | 0.0% |
| Texaco Service Station | 1 | $630K | 0.0% |
| Blimpie | 1 | $65K | 0.0% |
| Philly Connection | 1 | $50K | 0.0% |
| Century 21 | 1 | $490K | 0.0% |
| Stanley's Steamer Carpet Clean | 1 | $821K | 0.0% |
| Manhattan Bagel Co. | 1 | $282K | 0.0% |
| Paul W. Davis Systems | 1 | $200K | 0.0% |
| Pizza Inn | 1 | $127K | 0.0% |
| Gold's Gym | 1 | $260K | 0.0% |
Lending volume by year
1'94
5'95
7'96
14'97
1'98
3'99
Milton National Bank default rate by loan vintage
BrandNational avg
Geographic exposure
310.0%
Portfolio summary
Total funded$15.3M
Defaults0 of 31
Risk tierEXCELLENT
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%).