PB
SBA 7(a) franchise lending portfolio
Poppy Bank
EXCELLENT risk
- Total loans
- 109
- Loan volume
- $232.0M
- Avg loan size
- $2.1M
- Charge-off rate
- 1.2%
- vs 15.4% national avg
Defaults
1
Avg interest
6.14%
Franchises funded
73
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Days Inn | 6 | $12.6M | 0.0% (low risk) |
| Super 8 by Wyndhan | 5 | $9.8M | 0.0% (low risk) |
| Ampm Mini Market- Arco | 4 | $13.1M | 0.0% (low risk) |
| Best Western Inn | 4 | $11.6M | 0.0% (low risk) |
| La Quinta Inn | 3 | $12.6M | 0.0% (low risk) |
| The Counter | 3 | $2.8M | 0.0% (low risk) |
| Motel 6 | 3 | $6.2M | 0.0% (low risk) |
| Quality Inn/Quality Suites, Ho | 3 | $7.1M | 0.0% (low risk) |
| Anytime Fitness | 2 | $425K | 0.0% (low risk) |
| Menchie's | 2 | $652K | 0.0% (low risk) |
| Comfort/ Comfort Inn & Suites/ | 2 | $5.4M | 0.0% (low risk) |
| Super 8 | 2 | $2.4M | 0.0% (low risk) |
| Red Lion Inn & Suites | 2 | $5.2M | 0.0% (low risk) |
| Motel 6 | 2 | $5.5M | 0.0% (low risk) |
| Signarama | 2 | $200K | 0.0% (low risk) |
| Choice Hotels International In | 2 | $7.6M | 0.0% (low risk) |
| Comfort Inn by Choice Hotels/C | 2 | $7.4M | 0.0% (low risk) |
| Red Lion Hotels | 2 | $7.0M | 0.0% (low risk) |
| La Quinta by Wyndham a.k.a. La | 2 | $10.0M | 0.0% (low risk) |
| Clarion Inn by Choice Hotels/C | 2 | $4.0M | N/A |
Lending volume by year
2'05
2'07
1'08
1'09
6'12
5'13
12'14
12'15
19'16
8'17
15'18
19'19
5'20
1'21
1'22
Poppy Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
562.1% (low risk)
260.0% (low risk)
50.0% (low risk)
30.0% (low risk)
20.0% (low risk)
20.0% (low risk)
20.0% (low risk)
1N/A
10.0% (low risk)
10.0% (low risk)
Portfolio summary
Total funded$232.0M
Defaults1 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). 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 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.