SB
SBA 7(a) franchise lending portfolio
Signature Bank of Georgia
AVERAGE risk
- Total loans
- 41
- Loan volume
- $43.3M
- Avg loan size
- $1.1M
- Charge-off rate
- 14.3%
- vs 15.4% national avg
Defaults
3
Avg interest
7.64%
Franchises funded
28
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The UPS Store (f/k/a Mail Box | 4 | $1.7M | 0.0% (low risk) |
| Holiday Inn Express | 3 | $7.0M | 0.0% (low risk) |
| Jet's Pizza | 2 | $505K | 50.0% (very high risk) |
| Church's Chicken | 2 | $1.5M | 0.0% (low risk) |
| Duff's Famous Wings | 2 | $225K | 100.0% (very high risk) |
| Savi Provisions | 2 | $1.2M | 0.0% (low risk) |
| DQ Grill & Chill Operating Agr | 2 | $2.6M | 0.0% (low risk) |
| Ace Hardware | 2 | $1.5M | N/A |
| Smoothie King | 2 | $619K | 0.0% (low risk) |
| Baymont by Wyndham aka Baymont | 2 | $982K | 0.0% (low risk) |
| Johnny's New York Style Pizza | 1 | $120K | 0.0% (low risk) |
| Baymont Inns & Suites | 1 | $2.9M | N/A |
| Circle K | 1 | $2.2M | 0.0% (low risk) |
| Uncle Maddio's Pizza Joint | 1 | $470K | N/A |
| Travelodge by Wyndham | 1 | $1.5M | 0.0% (low risk) |
| Empire Petroleum Partners - Pe | 1 | $1.9M | N/A |
| Pet Supplies Plus | 1 | $944K | 0.0% (low risk) |
| Next Level Petroleum (Mulstipl | 1 | $600K | N/A |
| Chevron - Retail Supply Contra | 1 | $5.0M | N/A |
| Cary Oil Company Inc - Complet | 1 | $736K | N/A |
Lending volume by year
1'07
4'13
4'15
1'16
3'17
1'19
6'21
3'22
8'23
2'24
7'25
1'26
Signature Bank of Georgia charge-off rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$43.3M
Defaults3 of 41
Risk tierAVERAGE
Avg rate7.64%
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 Signature Bank of Georgia originated?
- 41 loans totaling $43.3M. The portfolio carries a 14.3% 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 Signature Bank of Georgia fund the most?
- The “Top franchise exposures” table above lists the brands Signature Bank of Georgia has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.