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SBA 7(a) franchise lending portfolio
Mountain Pacific Bank
EXCELLENT risk
- Total loans
- 41
- Loan volume
- $122.5M
- Avg loan size
- $3.0M
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.79%
Franchises funded
31
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| PacWest Energy (Shell) Retail | 4 | $11.2M | 0.0% |
| Quality Inn by Choice Hotels / | 2 | $7.3M | 0.0% |
| Econo Lodge by Choice Hotels/E | 2 | $4.1M | 0.0% |
| Super 8 by Wyndhan | 2 | $9.9M | — |
| Chevron - Retail Supply Contra | 2 | $8.2M | — |
| Motel 6 | 2 | $7.7M | — |
| Christensen Inc. dba Powell Pr | 2 | $3.5M | 0.0% |
| WSCO Petroleum Corp. - Branded | 2 | $6.1M | — |
| Howard Johnson | 1 | $2.5M | 0.0% |
| Rodeway Inn by Choice Hotels/R | 1 | $2.6M | — |
| Sharetea | 1 | $400K | 0.0% |
| Quiznos | 1 | $258K | 0.0% |
| Ramada by Wyndham | 1 | $4.2M | 0.0% |
| Rodeway Inn | 1 | $2.1M | — |
| Quality Inn/Quality Suites, Ho | 1 | $1.7M | 0.0% |
| World Fuel Services - Wholesal | 1 | $2.2M | 0.0% |
| Jackson Food Stores, Inc. (Exx | 1 | $5.0M | — |
| Powell Distributing Company - | 1 | $2.9M | — |
| Sun Pacific Energy Inc - Shel | 1 | $2.1M | — |
| Red Lion Hotels | 1 | $3.1M | — |
Lending volume by year
1'15
2'17
8'18
4'19
3'20
7'21
2'22
5'23
1'24
6'25
2'26
Geographic exposure
Portfolio summary
Total funded$122.5M
Defaults0 of 41
Risk tierEXCELLENT
Avg rate6.79%
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%).