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SBA 7(a) franchise lending portfolio
NewBank
Risk rating: Excellent
- Total loans
- 54
- Loan volume
- $86.7M
- Avg loan size
- $1.6M
- Charge-off rate
- 0.0%
- vs 16.0% national
Charged off
0
Avg interest
5.97%
Franchises funded
36
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Dunkin Donuts | 6 | $3.9M | N/A |
| Comfort/ Comfort Inn & Suites/ | 5 | $23.4M | N/A |
| Dunkin' Donuts | 4 | $2.2M | N/A |
| Popeyes Louisiana Kitchen | 3 | $1.8M | N/A |
| Johnny Rockets | 2 | $1.8M | N/A |
| Ascend Hotel Collection by Cho | 2 | $9.9M | N/A |
| Tous Les Jours | 2 | $2.1M | N/A |
| Days Inn | 2 | $6.8M | N/A |
| Moe's Sw Grill | 2 | $1.1M | N/A |
| Dunkin Donuts/Baskin-Robbins C | 2 | $230K | N/A |
| Little Ceasar's Pizza | 1 | $150K | N/A |
| Hurricane Burgers Tacos Wings/ | 1 | $350K | N/A |
| Burger King | 1 | $640K | N/A |
| Baja Fresh Mexican Grill | 1 | $300K | N/A |
| Retro Fitness | 1 | $2.0M | N/A |
| Charley's Grilled Subs | 1 | $200K | N/A |
| Holiday Inn Express | 1 | $2.0M | N/A |
| Tony Roma's | 1 | $1.8M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2009 | 1 |
| FY2010 | 2 |
| FY2011 | 3 |
| FY2012 | 5 |
| FY2013 | 8 |
| FY2014 | 13 |
| FY2015 | 5 |
| FY2016 | 7 |
| FY2018 | 3 |
| FY2019 | 2 |
| FY2021 | 1 |
| FY2022 | 3 |
| FY2023 | 1 |
SBA 7(a) · charge-off rate by approval year
NewBank charge-off rate by loan vintage
Only 1 of these 6 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2011 | 3 | 0 | Too few |
| 2012 | 5 | 0 | Too few |
| 2013 | 7 | 0 | Too few |
| 2014 | 12 | 0 | 0.0% |
| 2015 | 4 | 0 | Too few |
| 2016 | 6 | 0 | Too few |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
Portfolio summary
Total funded$86.7M
Charged off0 of 54
Risk tierExcellent
Avg rate5.97%
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 NewBank originated?
- 54 loans totaling $86.7M. 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. NewBank's rate of 0.0% is below the national rate.
- 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 NewBank fund the most?
- The “Top franchise exposures” table above lists the brands NewBank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.