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SBA 7(a) franchise lending portfolio
Origin Bank
ELEVATED risk
- Total loans
- 13
- Loan volume
- $2.7M
- Avg loan size
- $208K
- Default 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% |
| Subway Sandwich Shop | 2 | $295K | 0.0% |
| Baskin-Robbins 31 Ice Cream | 1 | $80K | 100.0% |
| Pack-N-Mail | 1 | $44K | 0.0% |
| Hobbytown Usa | 1 | $150K | 0.0% |
| U-Save Auto Rental | 1 | $185K | 0.0% |
| Kawasaki | 1 | $1.0M | 100.0% |
| Curves For Women | 1 | $23K | 0.0% |
| Andy's Frozen Custard | 1 | $450K | 0.0% |
| Sears Authorized Hometown Stor | 1 | $135K | 0.0% |
| Learning Rx | 1 | $75K | 0.0% |
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
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%).