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SBA 7(a) franchise lending portfolio
Quad City Bank and Trust Company
CRITICAL risk
- Total loans
- 17
- Loan volume
- $3.5M
- Avg loan size
- $205K
- Default rate
- 23.5%
- vs 15.4% national avg
Defaults
4
Avg interest
6.79%
Franchises funded
16
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Big League Barbers | 2 | $170K | 0.0% |
| Sparkle Wash | 1 | $60K | 0.0% |
| Big Apple Bagels | 1 | $165K | 100.0% |
| Music Go Round | 1 | $140K | 0.0% |
| Edible Arrangements | 1 | $150K | 100.0% |
| Facelogic | 1 | $92K | 100.0% |
| Actional International | 1 | $35K | 0.0% |
| Great Harvest Bread Co. | 1 | $150K | 0.0% |
| Cookies By Design | 1 | $238K | 0.0% |
| Comfort Keepers | 1 | $100K | 0.0% |
| Orange Leaf Frozen Yogurt | 1 | $248K | 0.0% |
| NerdsToGo | 1 | $150K | 0.0% |
| Home Instead Senior Care | 1 | $950K | 0.0% |
| Freshii | 1 | $292K | 100.0% |
| 1-800 Water Damage | 1 | $53K | 0.0% |
| Nothing Bundt Cakes | 1 | $500K | 0.0% |
Lending volume by year
1'96
1'98
1'99
1'01
2'02
1'04
1'05
2'07
1'14
1'15
3'18
1'19
1'23
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%).