QO
SBA 7(a) franchise lending portfolio
Quaint Oak Bank
EXCELLENT risk
- Total loans
- 47
- Loan volume
- $27.3M
- Avg loan size
- $580K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
9.65%
Franchises funded
15
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Pure Green | 24 | $10.6M | 0.0% (low risk) |
| JETSET Pilates | 5 | $4.0M | N/A |
| iSmash | 3 | $1.6M | N/A |
| Servpro | 2 | $2.8M | N/A |
| AAMCO Transmissions | 2 | $266K | N/A |
| Fit Body Boot Camp | 2 | $370K | N/A |
| Steak n Shake By Biglari | 1 | $653K | 0.0% (low risk) |
| Urban Air Adventure Park | 1 | $4.1M | N/A |
| Pet Evolution | 1 | $634K | N/A |
| Signarama | 1 | $250K | N/A |
| Biggby Coffee | 1 | $590K | N/A |
| Snooze Mattress CO. | 1 | $329K | N/A |
| Fresh Green - License Agreemen | 1 | $440K | N/A |
| PrimoHoagies | 1 | $132K | N/A |
| Tifa Chocolate & Gelato | 1 | $500K | N/A |
Lending volume by year
1'18
1'21
5'22
12'23
7'24
18'25
3'26
Geographic exposure
110.0% (low risk)
6N/A
5N/A
4N/A
4N/A
3N/A
2N/A
2N/A
2N/A
2N/A
Portfolio summary
Total funded$27.3M
Defaults0 of 47
Risk tierEXCELLENT
Avg rate9.65%
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 Quaint Oak Bank originated?
- 47 loans totaling $27.3M. The portfolio carries a 0.0% 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 Quaint Oak Bank fund the most?
- The “Top franchise exposures” table above lists the brands Quaint Oak 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.