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SBA 7(a) franchise lending portfolio
STAR Financial Bank
EXCELLENT risk
- Total loans
- 48
- Loan volume
- $6.6M
- Avg loan size
- $139K
- Default 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% |
| Sports Clips | 6 | $730K | 0.0% |
| Subway Sandwich Shop | 3 | $400K | 0.0% |
| Anytime Fitness | 3 | $334K | 0.0% |
| General Nutrition Center | 2 | $165K | 0.0% |
| Woodcraft Franchise Corporatio | 2 | $350K | 0.0% |
| Norwalk Furniture Idea | 2 | $413K | 0.0% |
| Speedpro Imaging | 2 | $254K | 0.0% |
| NAPA Auto Parts | 2 | $1.2M | 0.0% |
| Subway | 2 | $494K | — |
| Sparkle Wash International | 2 | $60K | 0.0% |
| Sonitrol Security Systems | 1 | $147K | 0.0% |
| East Of Chicago Pizza | 1 | $150K | 0.0% |
| Pretzelmaker | 1 | $120K | 0.0% |
| Mail Boxes Etc. Usa | 1 | $250K | 100.0% |
| Cinnamonster (retail - Sweetro | 1 | $119K | 0.0% |
| Marathon Oil Company | 1 | $25K | 0.0% |
| Papa Murphy's Take & Bake Pizz | 1 | $60K | 0.0% |
| Fastsigns | 1 | $81K | 0.0% |
| Automotive Technologies | 1 | $60K | 0.0% |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
482.3%
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
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%).