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SBA 7(a) franchise lending portfolio
Regent Bank
CRITICAL risk
- Total loans
- 48
- Loan volume
- $25.5M
- Avg loan size
- $531K
- Default rate
- 36.4%
- vs 15.4% national avg
Defaults
4
Avg interest
7.68%
Franchises funded
23
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| BLUSH Boot Camp | 22 | $6.0M | 60.0% |
| QC Kinetix | 4 | $757K | — |
| Little Caesars | 2 | $2.0M | — |
| Re/Max Realty | 1 | $140K | 0.0% |
| Mobile Appearance Reconditioni | 1 | $44K | 0.0% |
| Menchie's | 1 | $340K | 100.0% |
| Property Damage Appraisers (pd | 1 | $225K | — |
| Club Pilates | 1 | $145K | 0.0% |
| America's Incredible Pizza Com | 1 | $4.0M | — |
| Smash My Trash | 1 | $350K | — |
| Classic Rock Coffee Co. | 1 | $175K | 0.0% |
| Houston TX Hot Chicken | 1 | $532K | — |
| Snap Fitness | 1 | $99K | — |
| Real Deals on Home Decor | 1 | $200K | — |
| Chicken Shack / Detroit's Orig | 1 | $416K | — |
| Macadoodles | 1 | $1.9M | — |
| EatGatherLove-Kitches Reimagin | 1 | $510K | 0.0% |
| Valero Marketing and Supply Co | 1 | $1.9M | — |
| Circle K (C-store Agreement on | 1 | $2.1M | — |
| Quality Inn by Choice Hotels / | 1 | $2.2M | — |
Lending volume by year
1'02
1'05
1'11
1'16
1'17
1'19
5'20
1'21
17'22
16'23
3'24
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%).