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SBA 7(a) franchise lending portfolio
Oxford Bank
EXCELLENT risk
- Total loans
- 37
- Loan volume
- $26.1M
- Avg loan size
- $706K
- Charge-off rate
- 4.5%
- vs 15.4% national avg
Defaults
1
Avg interest
7.75%
Franchises funded
20
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Wing Snob | 6 | $1.9M | N/A |
| Culver's ButterBurgers & Froze | 4 | $6.9M | 0.0% (low risk) |
| Beyond Juicery + Eatery | 4 | $1.5M | 0.0% (low risk) |
| Pet Supplies Plus | 4 | $2.9M | 0.0% (low risk) |
| Blaze Pizza | 2 | $770K | 0.0% (low risk) |
| Saroki's Crispy Chicken & pizz | 2 | $582K | N/A |
| F45 Training | 2 | $671K | 0.0% (low risk) |
| Image Sun | 1 | $150K | 100.0% (very high risk) |
| Buscemis Party Shoppe Pizza | 1 | $2.2M | 0.0% (low risk) |
| Tropical Smoothie Cafe | 1 | $1.3M | 0.0% (low risk) |
| Urban Air Adventure Park | 1 | $1.5M | 0.0% (low risk) |
| Tide Dry Cleaners | 1 | $440K | 0.0% (low risk) |
| Culver's | 1 | $2.7M | 0.0% (low risk) |
| Pet Passages | 1 | $208K | 0.0% (low risk) |
| Hotworx | 1 | $570K | N/A |
| Ameriprise Financial | 1 | $453K | 0.0% (low risk) |
| Detroit Wing Company | 1 | $400K | 0.0% (low risk) |
| BrightStar Care | 1 | $120K | 0.0% (low risk) |
| Chicken Shack / Detroit's Orig | 1 | $400K | N/A |
| True Value Company LLC - Membe | 1 | $616K | N/A |
Lending volume by year
1'05
6'18
9'19
4'20
4'21
4'22
4'23
3'24
2'25
Oxford Bank charge-off rate by loan vintage
BrandNational avg
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 Oxford Bank originated?
- 37 loans totaling $26.1M. The portfolio carries a 4.5% 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 Oxford Bank fund the most?
- The “Top franchise exposures” table above lists the brands Oxford 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.