MB
SBA 7(a) franchise lending portfolio
Montgomery Bank
EXCELLENT risk
- Total loans
- 14
- Loan volume
- $1.1M
- Avg loan size
- $75K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.00%
Franchises funded
10
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Minuteman Press | 4 | $222K | 0.0% (low risk) |
| Domino's Pizza | 2 | $100K | 0.0% (low risk) |
| Rosati's Pizza | 1 | $77K | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 1 | $10K | 0.0% (low risk) |
| Travel Agents International | 1 | $65K | 0.0% (low risk) |
| Maui Wowi | 1 | $150K | 0.0% (low risk) |
| Massage Envy | 1 | $177K | 0.0% (low risk) |
| Buffalo Wild Wings (f/K/A Bw-3 | 1 | $80K | 0.0% (low risk) |
| Fantastic Sam's | 1 | $105K | 0.0% (low risk) |
| Edible Arrangements | 1 | $65K | 0.0% (low risk) |
Lending volume by year
1'93
2'95
1'96
1'97
1'02
2'03
3'04
1'05
1'07
1'12
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 Montgomery Bank originated?
- 14 loans totaling $1.1M. The portfolio carries a 0.0% 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 Montgomery Bank fund the most?
- The “Top franchise exposures” table above lists the brands Montgomery 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.