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SBA 7(a) franchise lending portfolio
Opportunity Bank of Montana
EXCELLENT risk
- Total loans
- 14
- Loan volume
- $2.6M
- Avg loan size
- $188K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.50%
Franchises funded
9
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| NAPA Auto Parts | 2 | $900K | 0.0% |
| Subway Sandwich Shop | 2 | $217K | 0.0% |
| Taco Del Sol | 2 | $70K | 0.0% |
| Taco Del Mar | 2 | $361K | 0.0% |
| Jersey Mike's | 2 | $498K | — |
| Midas Muffler Shop | 1 | $274K | 0.0% |
| Uniglobe Travel International | 1 | $40K | 0.0% |
| Cartridge World | 1 | $130K | 0.0% |
| Ilovekickboxing.com | 1 | $149K | 0.0% |
Lending volume by year
2'94
1'96
1'97
1'04
1'06
1'13
1'14
2'15
1'16
1'17
1'21
1'22
Geographic exposure
140.0%
Portfolio summary
Total funded$2.6M
Defaults0 of 14
Risk tierEXCELLENT
Avg rate5.50%
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%).