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SBA 7(a) franchise lending portfolio
One World Bank
EXCELLENT risk
- Total loans
- 32
- Loan volume
- $34.9M
- Avg loan size
- $1.1M
- Default rate
- 4.2%
- vs 15.4% national avg
Defaults
1
Avg interest
6.26%
Franchises funded
26
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 6 | $1.7M | 16.7% |
| Temporary Franchises | 2 | $472K | 0.0% |
| Conoco Service Station | 1 | $691K | 0.0% |
| Dickey's Barbeque | 1 | $311K | 0.0% |
| CoCo's Bakery Restaurants | 1 | $100K | 0.0% |
| Texaco Service Station | 1 | $600K | — |
| Exxon | 1 | $2.0M | 0.0% |
| Pizza Inn | 1 | $1.3M | — |
| Papa Murphy's Take & Bake Pizz | 1 | $186K | 0.0% |
| Dairy Queen/Limited Brazier Op | 1 | $2.0M | — |
| La Quinta Inn | 1 | $2.0M | 0.0% |
| Blendz | 1 | $2.6M | 0.0% |
| Choice Hotels International In | 1 | $2.0M | 0.0% |
| Chevron (gas Station) | 1 | $310K | 0.0% |
| Best Western Inn | 1 | $1.7M | 0.0% |
| America's Best Value Inn | 1 | $1.0M | 0.0% |
| Econo Lodge by Choice Hotels/E | 1 | $631K | 0.0% |
| Esco Restaurant and Tapas | 1 | $239K | — |
| SpringHill Suites by Marriott | 1 | $5.0M | — |
| D.F.W. Oil & Energy LLC (Shel | 1 | $628K | 0.0% |
Lending volume by year
1'06
2'08
5'09
10'10
1'11
1'13
1'16
1'18
1'19
3'20
2'21
3'23
1'24
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%).