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SBA 7(a) franchise lending portfolio
Source Business and Industrial Development Corpora
CRITICAL risk
- Total loans
- 25
- Loan volume
- $6.6M
- Avg loan size
- $264K
- Default rate
- 28.0%
- vs 15.4% national avg
Defaults
7
Avg interest
—
Franchises funded
14
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Planet Beach | 7 | $964K | 42.9% |
| Sicily's Pizza | 6 | $2.3M | 0.0% |
| Great Harvest Bread Co. | 1 | $115K | 0.0% |
| Las Vegas Discount Golf & Tenn | 1 | $475K | 100.0% |
| Dairy Queen | 1 | $160K | 100.0% |
| Maytag Home Appliance Center | 1 | $99K | 0.0% |
| Armstrong Mccall | 1 | $60K | 0.0% |
| Domino's Pizza | 1 | $550K | 0.0% |
| Precision Tune | 1 | $75K | 100.0% |
| General Nutrition Center | 1 | $175K | 0.0% |
| Plato's Closet | 1 | $131K | 0.0% |
| The UPS Store | 1 | $125K | 0.0% |
| Roly Poly Rolled Sandwiches | 1 | $50K | 100.0% |
| Deangelo's Pizzeria Company | 1 | $1.3M | 0.0% |
Lending volume by year
1'95
2'97
1'98
3'99
1'00
3'01
6'02
6'03
2'04
Source Business and Industrial Development Corpora default rate by loan vintage
BrandNational avg
Geographic exposure
1931.6%
616.7%
Portfolio summary
Total funded$6.6M
Defaults7 of 25
Risk tierCRITICAL
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%).