SF
SBA 7(a) franchise lending portfolio
STAR Financial Bank
EXCELLENT risk
- Total loans
- 48
- Loan volume
- $6.6M
- Avg loan size
- $139K
- Charge-off rate
- 2.3%
- vs 15.4% national avg
Defaults
1
Avg interest
6.19%
Franchises funded
26
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Hungry Howie's | 7 | $590K | 0.0% (low risk) |
| Sports Clips | 6 | $730K | 0.0% (low risk) |
| Subway Sandwich Shop | 3 | $400K | 0.0% (low risk) |
| Anytime Fitness | 3 | $334K | 0.0% (low risk) |
| General Nutrition Center | 2 | $165K | 0.0% (low risk) |
| Woodcraft Franchise Corporatio | 2 | $350K | 0.0% (low risk) |
| Norwalk Furniture Idea | 2 | $413K | 0.0% (low risk) |
| Speedpro Imaging | 2 | $254K | 0.0% (low risk) |
| NAPA Auto Parts | 2 | $1.2M | 0.0% (low risk) |
| Subway | 2 | $494K | N/A |
| Sparkle Wash International | 2 | $60K | 0.0% (low risk) |
| Sonitrol Security Systems | 1 | $147K | 0.0% (low risk) |
| East Of Chicago Pizza | 1 | $150K | 0.0% (low risk) |
| Pretzelmaker | 1 | $120K | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 1 | $250K | 100.0% (very high risk) |
| Cinnamonster (retail - Sweetro | 1 | $119K | 0.0% (low risk) |
| Marathon Oil Company | 1 | $25K | 0.0% (low risk) |
| Papa Murphy's Take & Bake Pizz | 1 | $60K | 0.0% (low risk) |
| Fastsigns | 1 | $81K | 0.0% (low risk) |
| Automotive Technologies | 1 | $60K | 0.0% (low risk) |
Lending volume by year
1'94
2'95
3'99
3'02
4'04
1'05
9'06
6'07
2'09
4'11
2'12
2'13
3'15
1'21
1'23
2'24
1'25
1'26
STAR Financial Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
482.3% (low risk)
Portfolio summary
Total funded$6.6M
Defaults1 of 48
Risk tierEXCELLENT
Avg rate6.19%
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 STAR Financial Bank originated?
- 48 loans totaling $6.6M. The portfolio carries a 2.3% 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 STAR Financial Bank fund the most?
- The “Top franchise exposures” table above lists the brands STAR Financial 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.