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SBA 7(a) franchise lending portfolio
Pan American Bank & Trust
UNKNOWN risk
- Total loans
- 10
- Loan volume
- $8.9M
- Avg loan size
- $890K
- Default rate
- —
- 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 | — |
| Popeyes Louisiana Kitchen | 2 | $5.0M | — |
| Massage Envy | 2 | $1.4M | — |
| Skinovatio Medical Spa | 1 | $760K | — |
| Brown's Chicken | 1 | $153K | — |
Lending volume by year
2'22
1'23
3'24
4'25
Geographic exposure
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
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%).