PB
SBA 7(a) franchise lending portfolio
PromiseOne Bank
Risk rating: Excellent
- Total loans
- 330
- Loan volume
- $515.5M
- Avg loan size
- $1.6M
- Charge-off rate
- 3.5%
- vs 16.0% national
Charged off
7
Avg interest
5.94%
Franchises funded
113
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Days Inn | 25 | $36.2M | 0.0% (excellent) |
| Super 8 | 21 | $38.4M | N/A |
| Quality Inn by Choice Hotels / | 19 | $45.9M | N/A |
| Econo Lodge by Choice Hotels/E | 17 | $27.6M | N/A |
| Red Roof Inn | 16 | $19.8M | 0.0% (excellent) |
| Quality Inn/Quality Suites, Ho | 15 | $21.5M | 0.0% (excellent) |
| Motel 6 | 12 | $11.1M | 20.0% (high risk) |
| Marco's Pizza | 12 | $3.8M | 16.7% (elevated) |
| Comfort/ Comfort Inn & Suites/ | 11 | $22.3M | N/A |
| Best Western - Membership Agre | 11 | $26.1M | N/A |
| Americas Best Value Inn (f/K/A | 6 | $10.0M | N/A |
| Knights Inn | 5 | $6.3M | N/A |
| Shell Service Station | 5 | $5.6M | N/A |
| Clarion Hotel | 5 | $10.4M | N/A |
| Exxon | 4 | $3.4M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2010 | 1 |
| FY2013 | 5 |
| FY2014 | 21 |
| FY2015 | 38 |
| FY2016 | 42 |
| FY2017 | 54 |
| FY2018 | 47 |
| FY2019 | 49 |
| FY2020 | 39 |
| FY2021 | 11 |
| FY2022 | 6 |
| FY2023 | 6 |
| FY2024 | 3 |
| FY2025 | 5 |
| FY2026 | 3 |
SBA 7(a) · charge-off rate by approval year
PromiseOne Bank: below all franchise loans in each of the 7 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 |
|---|---|---|---|
| 2013 | 4 | 0 | Too few |
| 2014 | 19 | 0 | 0.0% |
| 2015 | 32 | 1 | 3.1% |
| 2016 | 32 | 1 | 3.1% |
| 2017 | 42 | 2 | 4.8% |
| 2018 | 29 | 3 | 10.3% |
| 2019 | 22 | 0 | 0.0% |
| 2020 | 15 | 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
793.9% (excellent)
394.2% (excellent)
360.0% (excellent)
2811.1% (average)
230.0% (excellent)
180.0% (excellent)
1712.5% (average)
150.0% (excellent)
9N/A
9N/A
Portfolio summary
Total funded$515.5M
Charged off7 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). 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. PromiseOne Bank's rate of 3.5% 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 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.