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SBA 7(a) franchise lending portfolio
Pacific Alliance Bank
EXCELLENT risk
- Total loans
- 11
- Loan volume
- $16.9M
- Avg loan size
- $1.5M
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.25%
Franchises funded
10
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quiznos | 2 | $305K | 0.0% |
| The UPS Store | 1 | $312K | 0.0% |
| Which Wich | 1 | $280K | 0.0% |
| Subway Sandwich Shop | 1 | $668K | 0.0% |
| Holiday Inn Express | 1 | $5.0M | 0.0% |
| Wyndham Hotel | 1 | $1.4M | 0.0% |
| Papa John's | 1 | $450K | — |
| SureStay | 1 | $4.0M | — |
| Vagabond Inn | 1 | $4.3M | — |
| Charleys Philly Steaks | 1 | $225K | — |
Lending volume by year
2'08
3'11
1'12
1'15
1'20
1'21
2'22
Geographic exposure
110.0%
Portfolio summary
Total funded$16.9M
Defaults0 of 11
Risk tierEXCELLENT
Avg rate5.25%
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%).