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SBA 7(a) franchise lending portfolio
Potomac Bank
CRITICAL risk
- Total loans
- 20
- Loan volume
- $9.1M
- Avg loan size
- $454K
- Default rate
- 100.0%
- vs 15.4% national avg
Defaults
1
Avg interest
9.04%
Franchises funded
14
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Nothing Bundt Cakes | 7 | $4.2M | — |
| Sunoco, LLC (Various Brands) F | 1 | $900K | — |
| Carpet One Floor & Home®, by C | 1 | $315K | — |
| Tropical Smoothie Cafe | 1 | $437K | — |
| ProMd Health | 1 | $423K | — |
| Floor Coverings International | 1 | $150K | — |
| Kona Ice | 1 | $205K | — |
| YogaSix | 1 | $300K | 100.0% |
| Smoothie King | 1 | $149K | — |
| Manhattan Pizza | 1 | $642K | — |
| Code Ninjas | 1 | $220K | — |
| CertaPro Painters | 1 | $250K | — |
| Intelligent Office | 1 | $600K | — |
| Ellie Mental Health | 1 | $250K | — |
Lending volume by year
1'20
1'21
3'22
3'23
4'24
7'25
1'26
Geographic exposure
Portfolio summary
Total funded$9.1M
Defaults1 of 20
Risk tierCRITICAL
Avg rate9.04%
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%).