SB
SBA 7(a) franchise lending portfolio
Shinhan Bank America
AVERAGE risk
- Total loans
- 28
- Loan volume
- $17.4M
- Avg loan size
- $621K
- Charge-off rate
- 11.1%
- vs 15.4% national avg
Defaults
2
Avg interest
6.02%
Franchises funded
22
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| bb.q Chicken | 5 | $1.4M | N/A |
| Wnb Factory | 3 | $525K | 0.0% (low risk) |
| California Tortilla | 1 | $500K | 0.0% (low risk) |
| Party Giant | 1 | $700K | 100.0% (very high risk) |
| Cottman Transmission | 1 | $185K | 0.0% (low risk) |
| Togo's Eatery | 1 | $385K | 0.0% (low risk) |
| Submarina Sandwiches | 1 | $180K | 100.0% (very high risk) |
| Wetzel's Pretzels | 1 | $440K | 0.0% (low risk) |
| Waba Grill Teriyaki House | 1 | $300K | 0.0% (low risk) |
| Charleys Philly Steaks | 1 | $350K | 0.0% (low risk) |
| Yogurtland | 1 | $150K | 0.0% (low risk) |
| Fatburger | 1 | $337K | 0.0% (low risk) |
| Comet Cleaners | 1 | $300K | 0.0% (low risk) |
| Rodeway Inn | 1 | $5.0M | N/A |
| Days Inn | 1 | $2.0M | 0.0% (low risk) |
| Tous Les Jours | 1 | $500K | N/A |
| It's Boba Time | 1 | $337K | 0.0% (low risk) |
| PostalAnnex+ (Retail Center) | 1 | $150K | N/A |
| Quality Inn by Choice Hotels / | 1 | $2.6M | N/A |
| Paris Baguette | 1 | $600K | N/A |
Lending volume by year
1'03
1'05
1'08
2'10
1'14
1'16
3'17
3'18
3'19
3'20
2'21
3'22
1'23
3'25
Shinhan Bank America charge-off rate by loan vintage
BrandNational avg
Geographic exposure
150.0% (low risk)
50.0% (low risk)
3100.0% (very high risk)
20.0% (low risk)
10.0% (low risk)
10.0% (low risk)
10.0% (low risk)
Portfolio summary
Total funded$17.4M
Defaults2 of 28
Risk tierAVERAGE
Avg rate6.02%
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 Shinhan Bank America originated?
- 28 loans totaling $17.4M. The portfolio carries a 11.1% charge-off rate, earning a “AVERAGE” 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 Shinhan Bank America fund the most?
- The “Top franchise exposures” table above lists the brands Shinhan Bank America has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.