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SBA 7(a) franchise lending portfolio
Old Second National Bank
EXCELLENT risk
- Total loans
- 20
- Loan volume
- $6.3M
- Avg loan size
- $316K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
8.15%
Franchises funded
19
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Carstar Automotive | 2 | $1.4M | 0.0% |
| Baskin-Robbins 31 Ice Cream | 1 | $264K | 0.0% |
| Quiznos | 1 | $170K | 0.0% |
| Karmelkorn | 1 | $50K | 0.0% |
| Kentucky Fried Chicken | 1 | $100K | 0.0% |
| Golf U.s.a. (retail Golf Equip | 1 | $207K | 0.0% |
| Culver's Frozen Custard | 1 | $150K | 0.0% |
| Mail Boxes Etc. Usa | 1 | $110K | 0.0% |
| Great Wraps | 1 | $215K | 0.0% |
| Elliott's Off-Broadway Deli | 1 | $85K | 0.0% |
| Dunkin Donuts | 1 | $545K | 0.0% |
| Option Care, Inc. | 1 | $134K | 0.0% |
| Subway Sandwich Shop | 1 | $80K | 0.0% |
| Winestyles, Inc. | 1 | $150K | 0.0% |
| Dairy Queen Frozen Treat Cente | 1 | $100K | 0.0% |
| D-Bat | 1 | $1.1M | — |
| ServiceMaster | 1 | $399K | — |
| Play It Again Sports | 1 | $405K | — |
| Hounds Town USA | 1 | $650K | — |
Lending volume by year
1'92
1'94
3'95
1'96
1'98
2'00
2'01
2'02
2'04
1'17
1'21
1'22
1'23
1'24
Geographic exposure
200.0%
Portfolio summary
Total funded$6.3M
Defaults0 of 20
Risk tierEXCELLENT
Avg rate8.15%
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%).