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SBA 7(a) franchise lending portfolio
National Exchange Bank and Trust
EXCELLENT risk
- Total loans
- 22
- Loan volume
- $8.5M
- Avg loan size
- $385K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.48%
Franchises funded
16
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Toppers Pizza | 3 | $964K | 0.0% |
| Piggly Wiggly | 3 | $1.6M | 0.0% |
| Cousins Submarines (restaurant | 2 | $470K | 0.0% |
| Tailored Living | 2 | $2.0M | — |
| Stanley's Steamer Carpet Clean | 1 | $70K | 0.0% |
| Wings To Go | 1 | $40K | 0.0% |
| Rosati's Pizza | 1 | $325K | 0.0% |
| Quizno's Subs | 1 | $150K | 0.0% |
| Subway Sandwich Shop | 1 | $100K | 0.0% |
| Realty Executives | 1 | $150K | — |
| Koa Kampgrounds(kampgrounds Of | 1 | $885K | 0.0% |
| Snap-On Tools | 1 | $304K | 0.0% |
| Ski's Meat Market | 1 | $380K | 0.0% |
| Toppers Pizza | 1 | $624K | 0.0% |
| Realty Executives | 1 | $126K | 0.0% |
| Snap-On | 1 | $312K | — |
Lending volume by year
1'99
2'02
1'04
1'08
2'09
1'10
1'11
2'14
1'16
2'17
2'18
1'19
1'21
4'22
Geographic exposure
220.0%
Portfolio summary
Total funded$8.5M
Defaults0 of 22
Risk tierEXCELLENT
Avg rate5.48%
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%).