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SBA 7(a) franchise lending portfolio
MVB Bank, Inc.
GOOD risk
- Total loans
- 24
- Loan volume
- $21.0M
- Avg loan size
- $876K
- Default rate
- 6.7%
- vs 15.4% national avg
Defaults
1
Avg interest
6.22%
Franchises funded
17
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Orange Leaf | 3 | $945K | 0.0% |
| Marco's Pizza | 3 | $834K | 0.0% |
| Right at Home | 3 | $3.9M | 0.0% |
| Save - A - Lot | 2 | $2.1M | 50.0% |
| Holiday Inn | 1 | $2.0M | 0.0% |
| Mail Boxes Etc. Usa | 1 | $130K | 0.0% |
| Home Helpers | 1 | $50K | 0.0% |
| Rainbow International Corporat | 1 | $256K | 0.0% |
| Microtel Inn And Suites | 1 | $250K | 0.0% |
| Urban Air Adventure Park | 1 | $4.4M | — |
| The Little Gym | 1 | $415K | — |
| CPR - Cell Phone Repair | 1 | $297K | — |
| Estrella Insurance | 1 | $1.0M | 0.0% |
| Sylvan Learning Centers | 1 | $2.2M | — |
| Amazing Lash Studio | 1 | $338K | — |
| Always Best Care Senior Servic | 1 | $496K | — |
| Farmers Insurance Agent Appoin | 1 | $1.4M | — |
Lending volume by year
1'04
2'06
1'09
1'10
4'12
2'14
2'16
4'21
4'22
2'23
1'24
Geographic exposure
1110.0%
40.0%
20.0%
20.0%
1—
1—
10.0%
Portfolio summary
Total funded$21.0M
Defaults1 of 24
Risk tierGOOD
Avg rate6.22%
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%).