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SBA 7(a) franchise lending portfolio
Pioneer Bank & Trust
EXCELLENT risk
- Total loans
- 18
- Loan volume
- $4.8M
- Avg loan size
- $267K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.32%
Franchises funded
17
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Signal Health Group | 2 | $171K | 0.0% |
| Future Kids | 1 | $41K | 0.0% |
| Medicap Pharmacy | 1 | $100K | 0.0% |
| Papa Murphy's Take & Bake Pizz | 1 | $77K | 0.0% |
| Shakey's Pizza | 1 | $641K | 0.0% |
| Honda (dealers) | 1 | $153K | 0.0% |
| Mr. Movies | 1 | $167K | 0.0% |
| Gigglebee's | 1 | $310K | 0.0% |
| Ktu Worldwide | 1 | $20K | 0.0% |
| Post Net | 1 | $86K | 0.0% |
| Chester Fried Chicken | 1 | $27K | 0.0% |
| Assist 2 Sell Discount Realty | 1 | $119K | 0.0% |
| The Spice & Tea Exchange | 1 | $166K | 0.0% |
| Jimmy John's | 1 | $332K | 0.0% |
| Batteries Plus Bulbs | 1 | $110K | 0.0% |
| Subway | 1 | $131K | — |
| Qdoba Restaurant Corporation | 1 | $2.2M | — |
Lending volume by year
1'92
2'93
2'94
1'95
1'96
1'97
1'98
1'05
1'08
1'12
1'15
1'16
2'21
1'22
1'23
Geographic exposure
160.0%
2—
Portfolio summary
Total funded$4.8M
Defaults0 of 18
Risk tierEXCELLENT
Avg rate6.32%
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%).