N
SBA 7(a) franchise lending portfolio
NewBank
EXCELLENT risk
- Total loans
- 54
- Loan volume
- $86.7M
- Avg loan size
- $1.6M
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.97%
Franchises funded
36
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dunkin Donuts | 6 | $3.9M | 0.0% (low risk) |
| Dunkin' Donuts | 4 | $2.2M | 0.0% (low risk) |
| Comfort/ Comfort Inn & Suites/ | 3 | $13.4M | 0.0% (low risk) |
| Johnny Rockets | 2 | $1.8M | 0.0% (low risk) |
| Ascend Hotel Collection by Cho | 2 | $9.9M | N/A |
| Tous Les Jours | 2 | $2.1M | 0.0% (low risk) |
| Popeyes Louisiana Kitchen | 2 | $1.3M | 0.0% (low risk) |
| Days Inn | 2 | $6.8M | 0.0% (low risk) |
| Comfort Inn by Choice Hotels/C | 2 | $10.0M | 0.0% (low risk) |
| Moe's Sw Grill | 2 | $1.1M | 0.0% (low risk) |
| Dunkin Donuts/Baskin-Robbins C | 2 | $230K | 0.0% (low risk) |
| Little Ceasar's Pizza | 1 | $150K | 0.0% (low risk) |
| Hurricane Burgers Tacos Wings/ | 1 | $350K | N/A |
| Popeye's Famous Fried Chicken | 1 | $550K | 0.0% (low risk) |
| Burger King | 1 | $640K | 0.0% (low risk) |
| Baja Fresh Mexican Grill | 1 | $300K | 0.0% (low risk) |
| Retro Fitness | 1 | $2.0M | 0.0% (low risk) |
| Charley's Grilled Subs | 1 | $200K | 0.0% (low risk) |
| Holiday Inn Express | 1 | $2.0M | 0.0% (low risk) |
| Tony Roma's | 1 | $1.8M | N/A |
Lending volume by year
1'09
2'10
3'11
5'12
8'13
13'14
5'15
7'16
3'18
2'19
1'21
3'22
1'23
NewBank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
420.0% (low risk)
90.0% (low risk)
20.0% (low risk)
10.0% (low risk)
Portfolio summary
Total funded$86.7M
Defaults0 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). 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 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.