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SBA 7(a) franchise lending portfolio
Quaint Oak Bank
EXCELLENT risk
- Total loans
- 47
- Loan volume
- $27.3M
- Avg loan size
- $580K
- Default 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% |
| JETSET Pilates | 5 | $4.0M | — |
| iSmash | 3 | $1.6M | — |
| Servpro | 2 | $2.8M | — |
| AAMCO Transmissions | 2 | $266K | — |
| Fit Body Boot Camp | 2 | $370K | — |
| Steak n Shake By Biglari | 1 | $653K | 0.0% |
| Urban Air Adventure Park | 1 | $4.1M | — |
| Pet Evolution | 1 | $634K | — |
| Signarama | 1 | $250K | — |
| Biggby Coffee | 1 | $590K | — |
| Snooze Mattress CO. | 1 | $329K | — |
| Fresh Green - License Agreemen | 1 | $440K | — |
| PrimoHoagies | 1 | $132K | — |
| Tifa Chocolate & Gelato | 1 | $500K | — |
Lending volume by year
1'18
1'21
5'22
12'23
7'24
18'25
3'26
Geographic exposure
110.0%
6—
5—
4—
2—
2—
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
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%).