SB
SBA 7(a) franchise lending portfolio
Small Business Bank
CRITICAL risk
- Total loans
- 17
- Loan volume
- $3.2M
- Avg loan size
- $189K
- Charge-off rate
- 23.1%
- vs 15.4% national avg
Defaults
3
Avg interest
7.85%
Franchises funded
12
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Jani-King (janitor's Service) | 3 | $677K | 0.0% (low risk) |
| Goodcents | 3 | $551K | 0.0% (low risk) |
| PaPPo's Pizzeria & Pub | 2 | $853K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $79K | 100.0% (very high risk) |
| Mr. Goodcents Sub' And Pasta | 1 | $106K | 0.0% (low risk) |
| Taco Via | 1 | $150K | 100.0% (very high risk) |
| Quiznos | 1 | $120K | 100.0% (very high risk) |
| Jani-King | 1 | $50K | 0.0% (low risk) |
| Jefferson's | 1 | $244K | 0.0% (low risk) |
| National Property Inspections | 1 | $202K | N/A |
| Goosehead Insurance | 1 | $103K | 0.0% (low risk) |
| Fajita Pete's | 1 | $80K | N/A |
Lending volume by year
1'95
1'02
2'04
2'05
1'13
1'15
1'18
2'19
1'21
1'22
3'23
1'24
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 Small Business Bank originated?
- 17 loans totaling $3.2M. The portfolio carries a 23.1% charge-off rate, earning a “CRITICAL” 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 Small Business Bank fund the most?
- The “Top franchise exposures” table above lists the brands Small Business 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.