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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
- Default 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 | — |
| Culver's ButterBurgers & Froze | 4 | $6.9M | 0.0% |
| Beyond Juicery + Eatery | 4 | $1.5M | 0.0% |
| Pet Supplies Plus | 4 | $2.9M | 0.0% |
| Blaze Pizza | 2 | $770K | 0.0% |
| Saroki's Crispy Chicken & pizz | 2 | $582K | — |
| F45 Training | 2 | $671K | 0.0% |
| Image Sun | 1 | $150K | 100.0% |
| Buscemis Party Shoppe Pizza | 1 | $2.2M | 0.0% |
| Tropical Smoothie Cafe | 1 | $1.3M | 0.0% |
| Urban Air Adventure Park | 1 | $1.5M | 0.0% |
| Tide Dry Cleaners | 1 | $440K | 0.0% |
| Culver's | 1 | $2.7M | 0.0% |
| Pet Passages | 1 | $208K | 0.0% |
| Hotworx | 1 | $570K | — |
| Ameriprise Financial | 1 | $453K | 0.0% |
| Detroit Wing Company | 1 | $400K | 0.0% |
| BrightStar Care | 1 | $120K | 0.0% |
| Chicken Shack / Detroit's Orig | 1 | $400K | — |
| True Value Company LLC - Membe | 1 | $616K | — |
Lending volume by year
1'05
6'18
9'19
4'20
4'21
4'22
4'23
3'24
2'25
Oxford Bank default rate by loan vintage
BrandNational avg
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%).