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SBA 7(a) franchise lending portfolio
One Valley Bank, Inc
EXCELLENT risk
- Total loans
- 13
- Loan volume
- $1.6M
- Avg loan size
- $123K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
—
Franchises funded
10
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Auntie Ann's (soft Pretzels) | 3 | $266K | 0.0% |
| Diet Center | 2 | $51K | 0.0% |
| American Leak Detection | 1 | $90K | 0.0% |
| Subway Sandwich Shop | 1 | $94K | 0.0% |
| A-1 Concrete Leveling, Inc. | 1 | $40K | 0.0% |
| Budget Rent A Car | 1 | $500K | 0.0% |
| Culligan Soft Water Service | 1 | $148K | 0.0% |
| Merry Maids | 1 | $30K | 0.0% |
| Ace Hardware | 1 | $250K | 0.0% |
| Iga Food Stores | 1 | $125K | 0.0% |
Lending volume by year
1'92
3'93
1'94
2'95
2'96
1'97
1'98
1'99
1'00
Geographic exposure
130.0%
Portfolio summary
Total funded$1.6M
Defaults0 of 13
Risk tierEXCELLENT
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%).