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SBA 7(a) franchise lending portfolio
One Community Bank
AVERAGE risk
- Total loans
- 23
- Loan volume
- $13.6M
- Avg loan size
- $592K
- Default rate
- 11.1%
- vs 15.4% national avg
Defaults
2
Avg interest
6.33%
Franchises funded
15
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Anytime Fitness | 4 | $1.1M | 0.0% |
| Burn Boot Camp Fitness | 3 | $1.1M | 0.0% |
| X-Golf | 3 | $1.8M | — |
| Culver's ButterBurgers & Froze | 2 | $4.4M | 0.0% |
| Woodcraft Franchise Corporatio | 1 | $260K | 0.0% |
| Subway Sandwich Shop | 1 | $62K | 0.0% |
| Culver's Frozen Custard | 1 | $218K | 0.0% |
| Taco John's | 1 | $1.2M | 100.0% |
| Play It Again Sports (retail S | 1 | $120K | 100.0% |
| Snap Fitness | 1 | $270K | 0.0% |
| Bounceu | 1 | $345K | 0.0% |
| Knights Inn | 1 | $600K | 0.0% |
| Which Wich | 1 | $275K | 0.0% |
| Sport Clips | 1 | $200K | 0.0% |
| America's Best Value Inn | 1 | $1.7M | 0.0% |
Lending volume by year
1'96
1'98
1'00
1'04
1'05
1'06
4'08
1'09
1'10
1'11
2'14
1'18
3'19
4'21
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%).