RB
SBA 7(a) franchise lending portfolio
Royal Business Bank
Risk rating: Excellent
- Total loans
- 104
- Loan volume
- $232.2M
- Avg loan size
- $2.2M
- Charge-off rate
- 4.0%
- vs 16.0% national
Charged off
3
Avg interest
6.09%
Franchises funded
61
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Postal Annex Plus | 7 | $587K | N/A |
| Chevron (gas Station) | 6 | $12.9M | N/A |
| Motel 6 | 5 | $19.6M | N/A |
| Super 8 | 5 | $11.3M | N/A |
| Comfort/ Comfort Inn & Suites/ | 5 | $15.5M | N/A |
| Quality Inn/Quality Suites, Ho | 4 | $8.3M | N/A |
| Papa John's | 4 | $4.6M | N/A |
| Best Western Inn | 3 | $9.3M | N/A |
| Ampm Mini Market- Arco | 3 | $7.0M | N/A |
| La Quinta Inn | 3 | $13.4M | N/A |
| Country Inns & Suites By Carls | 3 | $14.4M | N/A |
| Subway | 2 | $375K | N/A |
| Conoco Service Station | 2 | $3.3M | N/A |
| Howard Johnson | 2 | $3.8M | N/A |
| Americas Best Value Inn (f/K/A | 2 | $7.0M | N/A |
| Jackson Food Stores, Inc. (Exx | 2 | $7.0M | N/A |
| Red Lion Hotels | 2 | $6.3M | N/A |
| Mr. Pickle's Sandwich Shop | 2 | $1.4M | N/A |
| Brake Masters | 1 | $82K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1995 | 1 |
| FY1997 | 1 |
| FY1998 | 1 |
| FY1999 | 4 |
| FY2000 | 3 |
| FY2008 | 1 |
| FY2013 | 1 |
| FY2014 | 6 |
| FY2015 | 17 |
| FY2016 | 19 |
| FY2017 | 17 |
| FY2018 | 7 |
| FY2019 | 6 |
| FY2020 | 1 |
| FY2021 | 3 |
| FY2022 | 4 |
| FY2024 | 4 |
| FY2025 | 6 |
| FY2026 | 2 |
SBA 7(a) · charge-off rate by approval year
Royal Business Bank: below all franchise loans in each of the 3 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1999 | 4 | 0 | Too few |
| 2000 | 3 | 0 | Too few |
| 2014 | 6 | 1 | Too few |
| 2015 | 17 | 1 | 5.9% |
| 2016 | 15 | 1 | 6.7% |
| 2017 | 13 | 0 | 0.0% |
| 2018 | 4 | 0 | Too few |
| 2019 | 4 | 0 | Too few |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
423.4% (excellent)
140.0% (excellent)
100.0% (excellent)
7N/A
6N/A
5N/A
3N/A
3N/A
3N/A
2N/A
Portfolio summary
Total funded$232.2M
Charged off3 of 104
Risk tierExcellent
Avg rate6.09%
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 Royal Business Bank originated?
- 104 loans totaling $232.2M. The portfolio carries a 4.0% 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Royal Business Bank's rate of 4.0% is below the national rate.
- 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 Royal Business Bank fund the most?
- The “Top franchise exposures” table above lists the brands Royal Business 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.