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SBA 7(a) franchise lending portfolio
PromiseOne Bank
EXCELLENT risk
- Total loans
- 330
- Loan volume
- $515.5M
- Avg loan size
- $1.6M
- Default rate
- 3.5%
- vs 15.4% national avg
Defaults
7
Avg interest
5.94%
Franchises funded
113
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quality Inn by Choice Hotels / | 19 | $45.9M | 0.0% |
| Quality Inn/Quality Suites, Ho | 15 | $21.5M | 0.0% |
| Super 8 | 13 | $21.3M | 0.0% |
| Days Inn | 13 | $16.2M | 0.0% |
| Days Inn by Wyndham | 12 | $20.0M | 0.0% |
| Motel 6 | 12 | $11.1M | 20.0% |
| Marco's Pizza | 12 | $3.8M | 16.7% |
| Comfort/ Comfort Inn & Suites/ | 11 | $22.3M | 0.0% |
| Econo Lodge by Choice Hotels/E | 10 | $17.5M | 33.3% |
| Red Roof Inn | 8 | $10.3M | 0.0% |
| Red Roof Inn | 8 | $9.4M | 0.0% |
| Super 8 by Wyndhan | 8 | $17.1M | 0.0% |
| Econo Lodge | 7 | $10.1M | 0.0% |
| Americas Best Value Inn (f/K/A | 6 | $10.0M | 0.0% |
| Best Western - Membership Agre | 6 | $13.4M | 0.0% |
| Knights Inn | 5 | $6.3M | 0.0% |
| Best Western Inn | 5 | $12.7M | 0.0% |
| Shell Service Station | 5 | $5.6M | 0.0% |
| Clarion Hotel | 5 | $10.4M | 0.0% |
| Exxon | 4 | $3.4M | 0.0% |
Lending volume by year
1'10
5'13
21'14
38'15
42'16
54'17
47'18
49'19
39'20
11'21
6'22
6'23
3'24
5'25
3'26
PromiseOne Bank default rate by loan vintage
BrandNational avg
Geographic exposure
793.9%
394.2%
360.0%
2811.1%
230.0%
180.0%
1712.5%
150.0%
90.0%
90.0%
Portfolio summary
Total funded$515.5M
Defaults7 of 330
Risk tierEXCELLENT
Avg rate5.94%
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%).