PA
SBA 7(a) franchise lending portfolio
Pacific Alliance Bank
EXCELLENT risk
- Total loans
- 11
- Loan volume
- $16.9M
- Avg loan size
- $1.5M
- Charge-off 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% (low risk) |
| The UPS Store | 1 | $312K | 0.0% (low risk) |
| Which Wich | 1 | $280K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $668K | 0.0% (low risk) |
| Holiday Inn Express | 1 | $5.0M | 0.0% (low risk) |
| Wyndham Hotel | 1 | $1.4M | 0.0% (low risk) |
| Papa John's | 1 | $450K | N/A |
| SureStay | 1 | $4.0M | N/A |
| Vagabond Inn | 1 | $4.3M | N/A |
| Charleys Philly Steaks | 1 | $225K | N/A |
Lending volume by year
2'08
3'11
1'12
1'15
1'20
1'21
2'22
Geographic exposure
110.0% (low risk)
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
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 Pacific Alliance Bank originated?
- 11 loans totaling $16.9M. The portfolio carries a 0.0% 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 Pacific Alliance Bank fund the most?
- The “Top franchise exposures” table above lists the brands Pacific Alliance 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.