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SBA 7(a) franchise lending portfolio
Mission Valley Bank
EXCELLENT risk
- Total loans
- 111
- Loan volume
- $188.6M
- Avg loan size
- $1.7M
- Default 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% |
| Motel 6 | 5 | $21.7M | — |
| Painting With A Twist | 3 | $551K | 0.0% |
| Chop Stop | 3 | $1.0M | 0.0% |
| Best Western - Membership Agre | 3 | $8.4M | — |
| Rodeway Inn by Choice Hotels/R | 3 | $4.6M | 0.0% |
| Bruster's Real Ice Cream | 3 | $2.1M | — |
| Dunkin' Donut/Baskin-Robbins C | 3 | $832K | 0.0% |
| Motel 6 | 2 | $4.4M | 0.0% |
| Signs By Tomorrow | 2 | $309K | 0.0% |
| Best Western Inn | 2 | $6.7M | 0.0% |
| Econo Lodge | 2 | $2.4M | 0.0% |
| Painting With A Twist | 2 | $303K | 0.0% |
| Comfort/ Comfort Inn & Suites/ | 2 | $5.5M | — |
| Americas Best Value Inn (f/K/A | 2 | $2.3M | — |
| Quality Inn/Quality Suites, Ho | 2 | $5.2M | 0.0% |
| Country Inns & Suites By Carls | 2 | $4.2M | 0.0% |
| Kumon | 2 | $967K | 0.0% |
| Bahama Buck's Original Shaved | 2 | $2.6M | — |
| Baymont by Wyndham aka Baymont | 2 | $4.0M | 0.0% |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
475.3%
7—
6—
50.0%
50.0%
50.0%
40.0%
30.0%
30.0%
30.0%
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
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%).