MB
SBA 7(a) franchise lending portfolio
Monet Bank
GOOD risk
- Total loans
- 11
- Loan volume
- $6.1M
- Avg loan size
- $554K
- Charge-off rate
- 9.1%
- vs 15.4% national avg
Defaults
1
Avg interest
N/A
Franchises funded
11
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Kids R Kids | 1 | $1.0M | 0.0% (low risk) |
| Citgo Service Station | 1 | $800K | 0.0% (low risk) |
| Super 8 Motel | 1 | $1.1M | 0.0% (low risk) |
| Precision Chem Dry | 1 | $20K | 0.0% (low risk) |
| Miami Subs (formerly Mr Submar | 1 | $542K | 0.0% (low risk) |
| Ramada Inn | 1 | $1.3M | 0.0% (low risk) |
| Dairy Queen | 1 | $213K | 0.0% (low risk) |
| R.j. Gator's Restaurant | 1 | $581K | 0.0% (low risk) |
| Merle Norman Cosmetics | 1 | $65K | 0.0% (low risk) |
| Blimpie | 1 | $484K | 100.0% (very high risk) |
| Cold Stone Creamery, Inc. | 1 | $25K | 0.0% (low risk) |
Lending volume by year
3'99
2'00
1'01
1'05
4'06
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 Monet Bank originated?
- 11 loans totaling $6.1M. The portfolio carries a 9.1% charge-off rate, earning a “GOOD” 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 Monet Bank fund the most?
- The “Top franchise exposures” table above lists the brands Monet 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.