PA
SBA 7(a) franchise lending portfolio
Pan American Bank & Trust
UNKNOWN risk
- Total loans
- 10
- Loan volume
- $8.9M
- Avg loan size
- $890K
- Charge-off rate
- N/A
- vs 15.4% national avg
Defaults
0
Avg interest
8.95%
Franchises funded
5
Risk rating
UNKNOWN
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The UPS Store (f/k/a Mail Box | 4 | $1.6M | N/A |
| Popeyes Louisiana Kitchen | 2 | $5.0M | N/A |
| Massage Envy | 2 | $1.4M | N/A |
| Skinovatio Medical Spa | 1 | $760K | N/A |
| Brown's Chicken | 1 | $153K | N/A |
Lending volume by year
2'22
1'23
3'24
4'25
Geographic exposure
9N/A
1N/A
Portfolio summary
Total funded$8.9M
Defaults0 of 10
Risk tierUNKNOWN
Avg rate8.95%
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 Pan American Bank & Trust originated?
- 10 loans totaling $8.9M.
- 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 Pan American Bank & Trust fund the most?
- The “Top franchise exposures” table above lists the brands Pan American Bank & Trust has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.