RB
SBA 7(a) franchise lending portfolio
Regent Bank
CRITICAL risk
- Total loans
- 48
- Loan volume
- $25.5M
- Avg loan size
- $531K
- Charge-off 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% (very high risk) |
| QC Kinetix | 4 | $757K | N/A |
| Little Caesars | 2 | $2.0M | N/A |
| Re/Max Realty | 1 | $140K | 0.0% (low risk) |
| Mobile Appearance Reconditioni | 1 | $44K | 0.0% (low risk) |
| Menchie's | 1 | $340K | 100.0% (very high risk) |
| Property Damage Appraisers (pd | 1 | $225K | N/A |
| Club Pilates | 1 | $145K | 0.0% (low risk) |
| America's Incredible Pizza Com | 1 | $4.0M | N/A |
| Smash My Trash | 1 | $350K | N/A |
| Classic Rock Coffee Co. | 1 | $175K | 0.0% (low risk) |
| Houston TX Hot Chicken | 1 | $532K | N/A |
| Snap Fitness | 1 | $99K | N/A |
| Real Deals on Home Decor | 1 | $200K | N/A |
| Chicken Shack / Detroit's Orig | 1 | $416K | N/A |
| Macadoodles | 1 | $1.9M | N/A |
| EatGatherLove-Kitches Reimagin | 1 | $510K | 0.0% (low risk) |
| Valero Marketing and Supply Co | 1 | $1.9M | N/A |
| Circle K (C-store Agreement on | 1 | $2.1M | N/A |
| Quality Inn by Choice Hotels / | 1 | $2.2M | N/A |
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
Geographic exposure
Portfolio summary
Total funded$25.5M
Defaults4 of 48
Risk tierCRITICAL
Avg rate7.68%
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 Regent Bank originated?
- 48 loans totaling $25.5M. The portfolio carries a 36.4% 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 Regent Bank fund the most?
- The “Top franchise exposures” table above lists the brands Regent 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.