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SBA 7(a) franchise lending portfolio
Royal Banks of Missouri
EXCELLENT risk
- Total loans
- 15
- Loan volume
- $7.4M
- Avg loan size
- $493K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.95%
Franchises funded
13
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Days Inn | 3 | $3.6M | 0.0% |
| The UPS Store | 1 | $110K | 0.0% |
| UPS Store | 1 | $40K | 0.0% |
| Massage Luxe | 1 | $310K | 0.0% |
| School Of Rock | 1 | $333K | 0.0% |
| Days Inn by Wyndham | 1 | $150K | 0.0% |
| Massage Luxe | 1 | $315K | 0.0% |
| Jimmy John's | 1 | $63K | 0.0% |
| Three Dog Bakery | 1 | $243K | 0.0% |
| Americas Best Value Inn (f/K/A | 1 | $1.4M | 0.0% |
| CycleBar | 1 | $337K | — |
| Hotworx | 1 | $306K | 0.0% |
| Le Macaron French Pastries | 1 | $217K | — |
Lending volume by year
1'04
1'05
2'11
1'12
1'13
4'14
1'15
1'19
1'20
2'21
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%).