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SBA 7(a) franchise lending portfolio
St. Louis Bank
EXCELLENT risk
- Total loans
- 34
- Loan volume
- $18.6M
- Avg loan size
- $549K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
8.18%
Franchises funded
25
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Crumbl | 3 | $1.8M | — |
| F45 Training | 3 | $1.3M | 0.0% |
| Quantum Assurance Internationa | 2 | $355K | — |
| Dippin' Dots | 2 | $1.5M | — |
| Any LabTest Now | 2 | $682K | 0.0% |
| 4Ever Young | 2 | $474K | — |
| Imo's Pizza | 2 | $1.1M | — |
| Tropical Smoothie Cafe | 1 | $350K | — |
| IM=X Pilates and Fitness | 1 | $290K | — |
| Cold Stone Creamery | 1 | $425K | 0.0% |
| Anodyne Pain & Wellness Soluti | 1 | $254K | 0.0% |
| R&R Pizza Express | 1 | $400K | 0.0% |
| Hot Box Cookies | 1 | $253K | — |
| Brake Masters | 1 | $609K | — |
| Tire Pros | 1 | $756K | 0.0% |
| Scenthound | 1 | $623K | — |
| Chicken Salad Chick | 1 | $499K | — |
| FocalPoint Coaching | 1 | $66K | 0.0% |
| Breadsmith | 1 | $340K | — |
| Jimmy John's | 1 | $1.6M | — |
Lending volume by year
3'19
1'20
9'21
6'22
5'23
6'24
4'25
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%).