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SBA 7(a) franchise lending portfolio
MISSINGMAINBANKID
EXCELLENT risk
- Total loans
- 371
- Loan volume
- $120.1M
- Avg loan size
- $324K
- Default rate
- 3.6%
- vs 15.4% national avg
Defaults
12
Avg interest
6.93%
Franchises funded
218
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 38 | $3.1M | 2.6% |
| Mail Boxes Etc. Usa | 13 | $924K | 0.0% |
| Domino's Pizza | 10 | $867K | 10.0% |
| Mr. Goodcents Sub' And Pasta | 7 | $707K | 0.0% |
| Dairy Queen | 6 | $1.4M | 0.0% |
| Baskin-Robbins 31 Ice Cream | 6 | $579K | 0.0% |
| Bee Hive Homes | 5 | $4.2M | 0.0% |
| Speedy Sign-O-Rama | 4 | $260K | 0.0% |
| Tcby | 4 | $772K | 0.0% |
| NAPA Auto Parts | 4 | $318K | 0.0% |
| Culligan Soft Water Service | 4 | $668K | 0.0% |
| Dirty Dough | 4 | $1.1M | 0.0% |
| Radio Shack | 3 | $389K | 0.0% |
| Body Shop (the) | 3 | $670K | 0.0% |
| Super 8 Motel | 3 | $1.3M | 0.0% |
| Servpro | 3 | $154K | 0.0% |
| Dunkin Donuts | 3 | $480K | 0.0% |
| Great Clips | 3 | $180K | 0.0% |
| Ramada Inn | 3 | $1.7M | 0.0% |
| Schlotzsky's Sandwich Shop | 3 | $235K | 0.0% |
Lending volume by year
43'92
50
60
64
38
10'97
4
1
1
2
4'04
2
1
2
1
1'11
1
2
4
4
6'16
4
7
11
4
9'21
10
18
3
2
2'26
MISSINGMAINBANKID default rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Geographic exposure
460.0%
303.3%
280.0%
2720.0%
274.3%
210.0%
1526.7%
150.0%
140.0%
130.0%
Portfolio summary
Total funded$120.1M
Defaults12 of 371
Risk tierEXCELLENT
Avg rate6.93%
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%).