SL
SBA 7(a) franchise lending portfolio
Silver Lake Bank
EXCELLENT risk
- Total loans
- 13
- Loan volume
- $1.8M
- Avg loan size
- $141K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.31%
Franchises funded
10
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Smallcakes Cupcakery | 2 | $193K | 0.0% (low risk) |
| Gambino's Pizza | 2 | $200K | 0.0% (low risk) |
| Smallcakes | 2 | $185K | 0.0% (low risk) |
| Wood Re New | 1 | $85K | 0.0% (low risk) |
| Hertz Rent-A-Car | 1 | $50K | 0.0% (low risk) |
| Orange Leaf Frozen Yogurt | 1 | $115K | 0.0% (low risk) |
| Orange Leaf | 1 | $278K | 0.0% (low risk) |
| Orange Leaf Frozen Yogurt | 1 | $96K | 0.0% (low risk) |
| Robeks | 1 | $300K | N/A |
| Play It Again Sports | 1 | $330K | N/A |
Lending volume by year
1'07
3'12
2'15
2'16
2'18
1'20
1'22
1'23
Geographic exposure
130.0% (low risk)
Portfolio summary
Total funded$1.8M
Defaults0 of 13
Risk tierEXCELLENT
Avg rate5.31%
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 Silver Lake Bank originated?
- 13 loans totaling $1.8M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Silver Lake Bank fund the most?
- The “Top franchise exposures” table above lists the brands Silver Lake 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.