MV
SBA 7(a) franchise lending portfolio
Mission Valley Bank
EXCELLENT risk
- Total loans
- 111
- Loan volume
- $188.6M
- Avg loan size
- $1.7M
- Charge-off rate
- 2.7%
- vs 15.4% national avg
Defaults
1
Avg interest
7.77%
Franchises funded
61
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Budget Blinds | 17 | $15.4M | 0.0% (low risk) |
| Motel 6 | 5 | $21.7M | N/A |
| Painting With A Twist | 3 | $551K | 0.0% (low risk) |
| Chop Stop | 3 | $1.0M | 0.0% (low risk) |
| Best Western - Membership Agre | 3 | $8.4M | N/A |
| Rodeway Inn by Choice Hotels/R | 3 | $4.6M | 0.0% (low risk) |
| Bruster's Real Ice Cream | 3 | $2.1M | N/A |
| Dunkin' Donut/Baskin-Robbins C | 3 | $832K | 0.0% (low risk) |
| Motel 6 | 2 | $4.4M | 0.0% (low risk) |
| Signs By Tomorrow | 2 | $309K | 0.0% (low risk) |
| Best Western Inn | 2 | $6.7M | 0.0% (low risk) |
| Econo Lodge | 2 | $2.4M | 0.0% (low risk) |
| Painting With A Twist | 2 | $303K | 0.0% (low risk) |
| Comfort/ Comfort Inn & Suites/ | 2 | $5.5M | N/A |
| Americas Best Value Inn (f/K/A | 2 | $2.3M | N/A |
| Quality Inn/Quality Suites, Ho | 2 | $5.2M | 0.0% (low risk) |
| Country Inns & Suites By Carls | 2 | $4.2M | 0.0% (low risk) |
| Kumon | 2 | $967K | 0.0% (low risk) |
| Bahama Buck's Original Shaved | 2 | $2.6M | N/A |
| Baymont by Wyndham aka Baymont | 2 | $4.0M | 0.0% (low risk) |
Lending volume by year
1'07
1'10
2'12
6'15
10'16
10'17
5'18
4'19
1'20
5'21
15'22
14'23
15'24
19'25
3'26
Mission Valley Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
475.3% (moderate risk)
7N/A
6N/A
50.0% (low risk)
50.0% (low risk)
50.0% (low risk)
40.0% (low risk)
30.0% (low risk)
30.0% (low risk)
30.0% (low risk)
Portfolio summary
Total funded$188.6M
Defaults1 of 111
Risk tierEXCELLENT
Avg rate7.77%
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 Mission Valley Bank originated?
- 111 loans totaling $188.6M. The portfolio carries a 2.7% 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 Mission Valley Bank fund the most?
- The “Top franchise exposures” table above lists the brands Mission Valley 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.