QC
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
- Charge-off 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% (low risk) |
| Sparkle Wash | 1 | $60K | 0.0% (low risk) |
| Big Apple Bagels | 1 | $165K | 100.0% (very high risk) |
| Music Go Round | 1 | $140K | 0.0% (low risk) |
| Edible Arrangements | 1 | $150K | 100.0% (very high risk) |
| Facelogic | 1 | $92K | 100.0% (very high risk) |
| Actional International | 1 | $35K | 0.0% (low risk) |
| Great Harvest Bread Co. | 1 | $150K | 0.0% (low risk) |
| Cookies By Design | 1 | $238K | 0.0% (low risk) |
| Comfort Keepers | 1 | $100K | 0.0% (low risk) |
| Orange Leaf Frozen Yogurt | 1 | $248K | 0.0% (low risk) |
| NerdsToGo | 1 | $150K | 0.0% (low risk) |
| Home Instead Senior Care | 1 | $950K | 0.0% (low risk) |
| Freshii | 1 | $292K | 100.0% (very high risk) |
| 1-800 Water Damage | 1 | $53K | 0.0% (low risk) |
| Nothing Bundt Cakes | 1 | $500K | 0.0% (low risk) |
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
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 Quad City Bank and Trust Company originated?
- 17 loans totaling $3.5M. The portfolio carries a 23.5% charge-off rate, earning a “CRITICAL” 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 Quad City Bank and Trust Company fund the most?
- The “Top franchise exposures” table above lists the brands Quad City Bank and Trust Company has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.