MP
SBA 7(a) franchise lending portfolio
Mountain Pacific Bank
EXCELLENT risk
- Total loans
- 41
- Loan volume
- $122.5M
- Avg loan size
- $3.0M
- Charge-off 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% (low risk) |
| Quality Inn by Choice Hotels / | 2 | $7.3M | 0.0% (low risk) |
| Econo Lodge by Choice Hotels/E | 2 | $4.1M | 0.0% (low risk) |
| Super 8 by Wyndhan | 2 | $9.9M | N/A |
| Chevron - Retail Supply Contra | 2 | $8.2M | N/A |
| Motel 6 | 2 | $7.7M | N/A |
| Christensen Inc. dba Powell Pr | 2 | $3.5M | 0.0% (low risk) |
| WSCO Petroleum Corp. - Branded | 2 | $6.1M | N/A |
| Howard Johnson | 1 | $2.5M | 0.0% (low risk) |
| Rodeway Inn by Choice Hotels/R | 1 | $2.6M | N/A |
| Sharetea | 1 | $400K | 0.0% (low risk) |
| Quiznos | 1 | $258K | 0.0% (low risk) |
| Ramada by Wyndham | 1 | $4.2M | 0.0% (low risk) |
| Rodeway Inn | 1 | $2.1M | N/A |
| Quality Inn/Quality Suites, Ho | 1 | $1.7M | 0.0% (low risk) |
| World Fuel Services - Wholesal | 1 | $2.2M | 0.0% (low risk) |
| Jackson Food Stores, Inc. (Exx | 1 | $5.0M | N/A |
| Powell Distributing Company - | 1 | $2.9M | N/A |
| Sun Pacific Energy Inc - Shel | 1 | $2.1M | N/A |
| Red Lion Hotels | 1 | $3.1M | N/A |
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
340.0% (low risk)
30.0% (low risk)
20.0% (low risk)
1N/A
10.0% (low risk)
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
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 Mountain Pacific Bank originated?
- 41 loans totaling $122.5M. 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 Mountain Pacific Bank fund the most?
- The “Top franchise exposures” table above lists the brands Mountain Pacific 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.