PB
SBA 7(a) franchise lending portfolio
Poppy Bank
Risk rating: Excellent
- Total loans
- 109
- Loan volume
- $232.0M
- Avg loan size
- $2.1M
- Charge-off rate
- 1.2%
- vs 16.0% national
Charged off
1
Avg interest
6.14%
Franchises funded
73
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Super 8 by Wyndhan | 7 | $12.2M | N/A |
| Days Inn | 6 | $12.6M | N/A |
| La Quinta Inn | 5 | $22.5M | N/A |
| Motel 6 | 5 | $11.6M | N/A |
| Ampm Mini Market- Arco | 4 | $13.1M | N/A |
| Best Western Inn | 4 | $11.6M | N/A |
| Comfort/ Comfort Inn & Suites/ | 4 | $12.8M | N/A |
| The Counter | 3 | $2.8M | N/A |
| Quality Inn/Quality Suites, Ho | 3 | $7.1M | N/A |
| Anytime Fitness | 2 | $425K | N/A |
| Menchie's | 2 | $652K | N/A |
| Red Lion Inn & Suites | 2 | $5.2M | N/A |
| Signarama | 2 | $200K | N/A |
| Choice Hotels International In | 2 | $7.6M | N/A |
| Red Lion Hotels | 2 | $7.0M | N/A |
| Clarion Inn by Choice Hotels/C | 2 | $4.0M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2005 | 2 |
| FY2007 | 2 |
| FY2008 | 1 |
| FY2009 | 1 |
| FY2012 | 6 |
| FY2013 | 5 |
| FY2014 | 12 |
| FY2015 | 12 |
| FY2016 | 19 |
| FY2017 | 8 |
| FY2018 | 15 |
| FY2019 | 19 |
| FY2020 | 5 |
| FY2021 | 1 |
| FY2022 | 1 |
SBA 7(a) · charge-off rate by approval year
Poppy Bank: no charge-offs among resolved loans in the 4 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2012 | 6 | 0 | Too few |
| 2013 | 4 | 0 | Too few |
| 2014 | 12 | 0 | 0.0% |
| 2015 | 11 | 0 | 0.0% |
| 2016 | 16 | 0 | 0.0% |
| 2017 | 6 | 0 | Too few |
| 2018 | 8 | 0 | Too few |
| 2019 | 10 | 0 | 0.0% |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
562.1% (excellent)
260.0% (excellent)
5N/A
3N/A
2N/A
2N/A
2N/A
1N/A
1N/A
1N/A
Portfolio summary
Total funded$232.0M
Charged off1 of 109
Risk tierExcellent
Avg rate6.14%
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 Poppy Bank originated?
- 109 loans totaling $232.0M. The portfolio carries a 1.2% 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Poppy Bank's rate of 1.2% is below the national rate.
- 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 Poppy Bank fund the most?
- The “Top franchise exposures” table above lists the brands Poppy 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.