OB
SBA 7(a) franchise lending portfolio
Origin Bank
ELEVATED risk
- Total loans
- 13
- Loan volume
- $2.7M
- Avg loan size
- $208K
- Charge-off rate
- 15.4%
- vs 15.4% national avg
Defaults
2
Avg interest
5.75%
Franchises funded
11
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Smoothie King (health Food Sto | 2 | $272K | 0.0% (low risk) |
| Subway Sandwich Shop | 2 | $295K | 0.0% (low risk) |
| Baskin-Robbins 31 Ice Cream | 1 | $80K | 100.0% (very high risk) |
| Pack-N-Mail | 1 | $44K | 0.0% (low risk) |
| Hobbytown Usa | 1 | $150K | 0.0% (low risk) |
| U-Save Auto Rental | 1 | $185K | 0.0% (low risk) |
| Kawasaki | 1 | $1.0M | 100.0% (very high risk) |
| Curves For Women | 1 | $23K | 0.0% (low risk) |
| Andy's Frozen Custard | 1 | $450K | 0.0% (low risk) |
| Sears Authorized Hometown Stor | 1 | $135K | 0.0% (low risk) |
| Learning Rx | 1 | $75K | 0.0% (low risk) |
Lending volume by year
1'95
1'97
1'00
1'02
1'03
3'04
2'05
1'10
1'11
1'12
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 Origin Bank originated?
- 13 loans totaling $2.7M. The portfolio carries a 15.4% charge-off rate, earning a “ELEVATED” 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 Origin Bank fund the most?
- The “Top franchise exposures” table above lists the brands Origin Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.