SB
SBA 7(a) franchise lending portfolio
Scale Bank
EXCELLENT risk
- Total loans
- 16
- Loan volume
- $2.8M
- Avg loan size
- $174K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.34%
Franchises funded
11
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 3 | $615K | 0.0% (low risk) |
| 1-800-Got-Junk? | 3 | $542K | 0.0% (low risk) |
| Fit Body Boot Camp | 2 | $55K | 0.0% (low risk) |
| Baja Sol Tortilla Grill | 1 | $250K | 0.0% (low risk) |
| Erbert & Gerbert's Subs & Club | 1 | $85K | 0.0% (low risk) |
| Fish Window Cleaning | 1 | $50K | 0.0% (low risk) |
| Management Recruiters/Mri/ Man | 1 | $50K | 0.0% (low risk) |
| Shack Shine | 1 | $125K | 0.0% (low risk) |
| Eileen's Colossal Cookies | 1 | $558K | N/A |
| Red's Savoy Pizza | 1 | $350K | N/A |
| You Move Me | 1 | $104K | 0.0% (low risk) |
Lending volume by year
1'97
1'01
1'03
2'05
1'09
2'14
1'16
1'17
1'20
4'21
1'26
Geographic exposure
160.0% (low risk)
Portfolio summary
Total funded$2.8M
Defaults0 of 16
Risk tierEXCELLENT
Avg rate5.34%
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 Scale Bank originated?
- 16 loans totaling $2.8M. The portfolio carries a 0.0% 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). 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 Scale Bank fund the most?
- The “Top franchise exposures” table above lists the brands Scale 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.