SBA 7(a) franchise lending portfolio
MISSINGMAINBANKID
- Total loans
- 371
- Loan volume
- $120.1M
- Avg loan size
- $324K
- Charge-off rate
- 3.6%
- vs 16.0% national
Charged off
12
Avg interest
6.93%
Franchises funded
218
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 38 | $3.1M | 2.6% (excellent) |
| Mail Boxes Etc. Usa | 13 | $924K | 0.0% (excellent) |
| Domino's Pizza | 10 | $867K | 10.0% (average) |
| Mr. Goodcents Sub' And Pasta | 7 | $707K | N/A |
| Dairy Queen | 6 | $1.4M | N/A |
| Baskin-Robbins 31 Ice Cream | 6 | $579K | N/A |
| Bee Hive Homes | 5 | $4.2M | N/A |
| Speedy Sign-O-Rama | 4 | $260K | N/A |
| Tcby | 4 | $772K | N/A |
| NAPA Auto Parts | 4 | $318K | N/A |
| Culligan Soft Water Service | 4 | $668K | N/A |
| Dirty Dough | 4 | $1.1M | N/A |
| Radio Shack | 3 | $389K | N/A |
| Body Shop (the) | 3 | $670K | N/A |
| Super 8 Motel | 3 | $1.3M | N/A |
| Servpro | 3 | $154K | N/A |
| Dunkin Donuts | 3 | $480K | N/A |
| Great Clips | 3 | $180K | N/A |
| Ramada Inn | 3 | $1.7M | N/A |
| Schlotzsky's Sandwich Shop | 3 | $235K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 43 |
| FY1993 | 50 |
| FY1994 | 60 |
| FY1995 | 64 |
| FY1996 | 38 |
| FY1997 | 10 |
| FY1998 | 4 |
| FY2000 | 1 |
| FY2002 | 1 |
| FY2003 | 2 |
| FY2004 | 4 |
| FY2005 | 2 |
| FY2006 | 1 |
| FY2007 | 2 |
| FY2009 | 1 |
| FY2011 | 1 |
| FY2012 | 1 |
| FY2013 | 2 |
| FY2014 | 4 |
| FY2015 | 4 |
| FY2016 | 6 |
| FY2017 | 4 |
| FY2018 | 7 |
| FY2019 | 11 |
| FY2020 | 4 |
| FY2021 | 9 |
| FY2022 | 10 |
| FY2023 | 18 |
| FY2024 | 3 |
| FY2025 | 2 |
| FY2026 | 2 |
SBA 7(a) · charge-off rate by approval year
MISSINGMAINBANKID: below all franchise loans in each of the 6 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 43 | 1 | 2.3% |
| 1993 | 50 | 1 | 2.0% |
| 1994 | 60 | 1 | 1.7% |
| 1995 | 64 | 2 | 3.1% |
| 1996 | 38 | 0 | 0.0% |
| 1997 | 10 | 1 | 10.0% |
| 1998 | 4 | 0 | Too few |
| 2004 | 4 | 2 | Too few |
| 2014 | 4 | 0 | Too few |
| 2015 | 4 | 0 | Too few |
| 2016 | 4 | 0 | Too few |
| 2017 | 4 | 1 | Too few |
| 2018 | 4 | 0 | Too few |
| 2019 | 6 | 0 | Too few |
| 2020 | 4 | 0 | Too early |
| 2021 | 6 | 0 | Too early |
| 2022 | 4 | 0 | Too early |
| 2023 | 9 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
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 MISSINGMAINBANKID originated?
- 371 loans totaling $120.1M. The portfolio carries a 3.6% 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. MISSINGMAINBANKID's rate of 3.6% is below the national rate.
- 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 MISSINGMAINBANKID fund the most?
- The “Top franchise exposures” table above lists the brands MISSINGMAINBANKID has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.