OV
SBA 7(a) franchise lending portfolio
One Valley Bank, Inc
EXCELLENT risk
- Total loans
- 13
- Loan volume
- $1.6M
- Avg loan size
- $123K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
N/A
Franchises funded
10
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Auntie Ann's (soft Pretzels) | 3 | $266K | 0.0% (low risk) |
| Diet Center | 2 | $51K | 0.0% (low risk) |
| American Leak Detection | 1 | $90K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $94K | 0.0% (low risk) |
| A-1 Concrete Leveling, Inc. | 1 | $40K | 0.0% (low risk) |
| Budget Rent A Car | 1 | $500K | 0.0% (low risk) |
| Culligan Soft Water Service | 1 | $148K | 0.0% (low risk) |
| Merry Maids | 1 | $30K | 0.0% (low risk) |
| Ace Hardware | 1 | $250K | 0.0% (low risk) |
| Iga Food Stores | 1 | $125K | 0.0% (low risk) |
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% (low risk)
Portfolio summary
Total funded$1.6M
Defaults0 of 13
Risk tierEXCELLENT
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 One Valley Bank, Inc originated?
- 13 loans totaling $1.6M. 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 One Valley Bank, Inc fund the most?
- The “Top franchise exposures” table above lists the brands One Valley Bank, Inc has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.