PB
SBA 7(a) franchise lending portfolio
PromiseOne Bank
EXCELLENT risk
- Total loans
- 330
- Loan volume
- $515.5M
- Avg loan size
- $1.6M
- Charge-off 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% (low risk) |
| Quality Inn/Quality Suites, Ho | 15 | $21.5M | 0.0% (low risk) |
| Super 8 | 13 | $21.3M | 0.0% (low risk) |
| Days Inn | 13 | $16.2M | 0.0% (low risk) |
| Days Inn by Wyndham | 12 | $20.0M | 0.0% (low risk) |
| Motel 6 | 12 | $11.1M | 20.0% (very high risk) |
| Marco's Pizza | 12 | $3.8M | 16.7% (high risk) |
| Comfort/ Comfort Inn & Suites/ | 11 | $22.3M | 0.0% (low risk) |
| Econo Lodge by Choice Hotels/E | 10 | $17.5M | 33.3% (very high risk) |
| Red Roof Inn | 8 | $10.3M | 0.0% (low risk) |
| Red Roof Inn | 8 | $9.4M | 0.0% (low risk) |
| Super 8 by Wyndhan | 8 | $17.1M | 0.0% (low risk) |
| Econo Lodge | 7 | $10.1M | 0.0% (low risk) |
| Americas Best Value Inn (f/K/A | 6 | $10.0M | 0.0% (low risk) |
| Best Western - Membership Agre | 6 | $13.4M | 0.0% (low risk) |
| Knights Inn | 5 | $6.3M | 0.0% (low risk) |
| Best Western Inn | 5 | $12.7M | 0.0% (low risk) |
| Shell Service Station | 5 | $5.6M | 0.0% (low risk) |
| Clarion Hotel | 5 | $10.4M | 0.0% (low risk) |
| Exxon | 4 | $3.4M | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
793.9% (low risk)
394.2% (low risk)
360.0% (low risk)
2811.1% (elevated risk)
230.0% (low risk)
180.0% (low risk)
1712.5% (elevated risk)
150.0% (low risk)
90.0% (low risk)
90.0% (low risk)
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
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 PromiseOne Bank originated?
- 330 loans totaling $515.5M. The portfolio carries a 3.5% 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 PromiseOne Bank fund the most?
- The “Top franchise exposures” table above lists the brands PromiseOne 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.