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SBA 7(a) franchise lending portfolio
ServisFirst Bank
EXCELLENT risk
- Total loans
- 15
- Loan volume
- $11.6M
- Avg loan size
- $771K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.18%
Franchises funded
14
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Lost Pizza Co. | 2 | $1.4M | 0.0% |
| Zaxby's | 1 | $227K | 0.0% |
| The Bar Method | 1 | $150K | 0.0% |
| Weedman | 1 | $100K | 0.0% |
| Shoney's Restaurant | 1 | $100K | 0.0% |
| Subway | 1 | $150K | 0.0% |
| Home Instead Senior Care | 1 | $1.4M | 0.0% |
| Newk's Express Cafe Restaurant | 1 | $921K | — |
| Directbuy, Inc. | 1 | $200K | 0.0% |
| Outdoor Lighting Perspectives | 1 | $677K | — |
| Best Western - Membership Agre | 1 | $3.2M | — |
| Guthrie's | 1 | $657K | — |
| Mathnasium Learning Centers | 1 | $198K | — |
| Sauna House | 1 | $2.3M | — |
Lending volume by year
1'10
1'12
1'13
2'14
2'15
1'17
2'21
2'22
1'23
2'25
Geographic exposure
Portfolio summary
Total funded$11.6M
Defaults0 of 15
Risk tierEXCELLENT
Avg rate6.18%
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%).