MV
SBA 7(a) franchise lending portfolio
Mission Valley Bank
Risk rating: Excellent
- Total loans
- 111
- Loan volume
- $188.6M
- Avg loan size
- $1.7M
- Charge-off rate
- 2.7%
- vs 16.0% national
Charged off
1
Avg interest
7.77%
Franchises funded
61
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Budget Blinds | 17 | $15.4M | N/A |
| Motel 6 | 7 | $26.1M | N/A |
| Painting With A Twist | 5 | $854K | N/A |
| Best Western - Membership Agre | 5 | $15.1M | N/A |
| Chop Stop | 3 | $1.0M | N/A |
| Rodeway Inn by Choice Hotels/R | 3 | $4.6M | N/A |
| Bruster's Real Ice Cream | 3 | $2.1M | N/A |
| Dunkin' Donut/Baskin-Robbins C | 3 | $832K | N/A |
| Signs By Tomorrow | 2 | $309K | N/A |
| Econo Lodge | 2 | $2.4M | N/A |
| 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 | N/A |
| Country Inns & Suites By Carls | 2 | $4.2M | N/A |
| Kumon | 2 | $967K | N/A |
| Bahama Buck's Original Shaved | 2 | $2.6M | N/A |
| Baymont by Wyndham aka Baymont | 2 | $4.0M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2007 | 1 |
| FY2010 | 1 |
| FY2012 | 2 |
| FY2015 | 6 |
| FY2016 | 10 |
| FY2017 | 10 |
| FY2018 | 5 |
| FY2019 | 4 |
| FY2020 | 1 |
| FY2021 | 5 |
| FY2022 | 15 |
| FY2023 | 14 |
| FY2024 | 15 |
| FY2025 | 19 |
| FY2026 | 3 |
SBA 7(a) · charge-off rate by approval year
Mission Valley Bank charge-off rate by loan vintage
None of these 5 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2015 | 4 | 0 | Too few |
| 2016 | 8 | 1 | Too few |
| 2017 | 5 | 0 | Too few |
| 2018 | 4 | 0 | Too few |
| 2022 | 6 | 0 | Too early |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
475.3% (good)
7N/A
6N/A
5N/A
5N/A
5N/A
4N/A
3N/A
3N/A
3N/A
Portfolio summary
Total funded$188.6M
Charged off1 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). 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. Mission Valley Bank's rate of 2.7% 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 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.