MB
SBA 7(a) franchise lending portfolio
MVB Bank, Inc.
GOOD risk
- Total loans
- 24
- Loan volume
- $21.0M
- Avg loan size
- $876K
- Charge-off 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% (low risk) |
| Marco's Pizza | 3 | $834K | 0.0% (low risk) |
| Right at Home | 3 | $3.9M | 0.0% (low risk) |
| Save - A - Lot | 2 | $2.1M | 50.0% (very high risk) |
| Holiday Inn | 1 | $2.0M | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 1 | $130K | 0.0% (low risk) |
| Home Helpers | 1 | $50K | 0.0% (low risk) |
| Rainbow International Corporat | 1 | $256K | 0.0% (low risk) |
| Microtel Inn And Suites | 1 | $250K | 0.0% (low risk) |
| Urban Air Adventure Park | 1 | $4.4M | N/A |
| The Little Gym | 1 | $415K | N/A |
| CPR - Cell Phone Repair | 1 | $297K | N/A |
| Estrella Insurance | 1 | $1.0M | 0.0% (low risk) |
| Sylvan Learning Centers | 1 | $2.2M | N/A |
| Amazing Lash Studio | 1 | $338K | N/A |
| Always Best Care Senior Servic | 1 | $496K | N/A |
| Farmers Insurance Agent Appoin | 1 | $1.4M | N/A |
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% (elevated risk)
40.0% (low risk)
20.0% (low risk)
20.0% (low risk)
1N/A
1N/A
1N/A
1N/A
10.0% (low risk)
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
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 MVB Bank, Inc. originated?
- 24 loans totaling $21.0M. The portfolio carries a 6.7% 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 MVB Bank, Inc. fund the most?
- The “Top franchise exposures” table above lists the brands MVB Bank, Inc. has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.