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SBA 7(a) franchise lending portfolio
Royal Business Bank
EXCELLENT risk
- Total loans
- 104
- Loan volume
- $232.2M
- Avg loan size
- $2.2M
- Default rate
- 4.0%
- vs 15.4% national avg
Defaults
3
Avg interest
6.09%
Franchises funded
61
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Postal Annex Plus | 7 | $587K | 0.0% |
| Chevron (gas Station) | 6 | $12.9M | 0.0% |
| Motel 6 | 5 | $19.6M | 0.0% |
| Super 8 | 5 | $11.3M | 0.0% |
| Quality Inn/Quality Suites, Ho | 4 | $8.3M | 33.3% |
| Comfort/ Comfort Inn & Suites/ | 4 | $14.5M | 0.0% |
| Papa John's | 4 | $4.6M | 0.0% |
| Best Western Inn | 3 | $9.3M | 33.3% |
| Ampm Mini Market- Arco | 3 | $7.0M | 0.0% |
| La Quinta Inn | 3 | $13.4M | 0.0% |
| Country Inns & Suites By Carls | 3 | $14.4M | 0.0% |
| Subway | 2 | $375K | — |
| Conoco Service Station | 2 | $3.3M | 0.0% |
| Howard Johnson | 2 | $3.8M | 0.0% |
| Americas Best Value Inn (f/K/A | 2 | $7.0M | 0.0% |
| Jackson Food Stores, Inc. (Exx | 2 | $7.0M | 0.0% |
| Red Lion Hotels | 2 | $6.3M | 0.0% |
| Mr. Pickle's Sandwich Shop | 2 | $1.4M | — |
| Brake Masters | 1 | $82K | 0.0% |
| Comfort Inn | 1 | $1.0M | 0.0% |
Lending volume by year
1'95
1'97
1'98
4'99
3'00
1'08
1'13
6'14
17'15
19'16
17'17
7'18
6'19
1'20
3'21
4'22
4'24
6'25
2'26
Royal Business Bank default rate by loan vintage
BrandNational avg
Geographic exposure
423.4%
140.0%
100.0%
70.0%
60.0%
50.0%
30.0%
30.0%
30.0%
20.0%
Portfolio summary
Total funded$232.2M
Defaults3 of 104
Risk tierEXCELLENT
Avg rate6.09%
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%).