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SBA 7(a) franchise lending portfolio
Signature Bank of Georgia
AVERAGE risk
- Total loans
- 41
- Loan volume
- $43.3M
- Avg loan size
- $1.1M
- Default 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% |
| Holiday Inn Express | 3 | $7.0M | 0.0% |
| Jet's Pizza | 2 | $505K | 50.0% |
| Church's Chicken | 2 | $1.5M | 0.0% |
| Duff's Famous Wings | 2 | $225K | 100.0% |
| Savi Provisions | 2 | $1.2M | 0.0% |
| DQ Grill & Chill Operating Agr | 2 | $2.6M | 0.0% |
| Ace Hardware | 2 | $1.5M | — |
| Smoothie King | 2 | $619K | 0.0% |
| Baymont by Wyndham aka Baymont | 2 | $982K | 0.0% |
| Johnny's New York Style Pizza | 1 | $120K | 0.0% |
| Baymont Inns & Suites | 1 | $2.9M | — |
| Circle K | 1 | $2.2M | 0.0% |
| Uncle Maddio's Pizza Joint | 1 | $470K | — |
| Travelodge by Wyndham | 1 | $1.5M | 0.0% |
| Empire Petroleum Partners - Pe | 1 | $1.9M | — |
| Pet Supplies Plus | 1 | $944K | 0.0% |
| Next Level Petroleum (Mulstipl | 1 | $600K | — |
| Chevron - Retail Supply Contra | 1 | $5.0M | — |
| Cary Oil Company Inc - Complet | 1 | $736K | — |
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 default 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
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%).