SB
SBA 7(a) franchise lending portfolio
Sentry Bank
GOOD risk
- Total loans
- 12
- Loan volume
- $2.6M
- Avg loan size
- $214K
- Charge-off rate
- 8.3%
- vs 15.4% national avg
Defaults
1
Avg interest
5.69%
Franchises funded
9
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Anytime Fitness | 2 | $1.0M | 50.0% (very high risk) |
| Fantastic Sam's | 2 | $575K | 0.0% (low risk) |
| Pizza Ranch | 2 | $230K | 0.0% (low risk) |
| Cost Cutter Family Hair Care | 1 | $55K | 0.0% (low risk) |
| Taco John's | 1 | $102K | 0.0% (low risk) |
| Comfort Keepers | 1 | $70K | 0.0% (low risk) |
| Ace Hardware | 1 | $150K | 0.0% (low risk) |
| Apricot Lane | 1 | $162K | 0.0% (low risk) |
| Country Visions | 1 | $225K | 0.0% (low risk) |
Lending volume by year
1'04
1'06
3'07
1'08
2'09
1'12
2'13
1'17
Geographic exposure
128.3% (moderate risk)
Portfolio summary
Total funded$2.6M
Defaults1 of 12
Risk tierGOOD
Avg rate5.69%
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 Sentry Bank originated?
- 12 loans totaling $2.6M. The portfolio carries a 8.3% charge-off rate, earning a “GOOD” 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 Sentry Bank fund the most?
- The “Top franchise exposures” table above lists the brands Sentry 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.