SB
SBA 7(a) franchise lending portfolio
Starion Bank
EXCELLENT risk
- Total loans
- 29
- Loan volume
- $10.0M
- Avg loan size
- $345K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.38%
Franchises funded
20
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Ace Hardware | 5 | $311K | 0.0% (low risk) |
| Mrs. Fields Cookies | 2 | $70K | 0.0% (low risk) |
| Firehouse Subs | 2 | $208K | 0.0% (low risk) |
| Safe Ship | 2 | $95K | 0.0% (low risk) |
| Acton Academy | 2 | $115K | N/A |
| The Medicine Shoppe | 2 | $325K | N/A |
| Sylvan Learning Center | 1 | $64K | 0.0% (low risk) |
| Medicine Shoppe | 1 | $620K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $133K | 0.0% (low risk) |
| Hometeam Inspection Service, I | 1 | $25K | 0.0% (low risk) |
| BrightStar Senior Living | 1 | $654K | 0.0% (low risk) |
| Jimmy John's | 1 | $477K | 0.0% (low risk) |
| Sport Clips | 1 | $160K | 0.0% (low risk) |
| The Pita Pit | 1 | $175K | 0.0% (low risk) |
| Safe Ship | 1 | $30K | 0.0% (low risk) |
| Waxing The City | 1 | $413K | N/A |
| Citgo Service Station | 1 | $4.5M | 0.0% (low risk) |
| Big Apple Bagels | 1 | $77K | 0.0% (low risk) |
| Little Caesar Pizza | 1 | $1.2M | 0.0% (low risk) |
| Red's Savoy Pizza | 1 | $300K | N/A |
Lending volume by year
1'96
1'04
1'05
2'06
1'07
1'08
2'09
1'11
4'13
2'14
2'16
3'17
3'18
1'22
2'23
2'24
Geographic exposure
Portfolio summary
Total funded$10.0M
Defaults0 of 29
Risk tierEXCELLENT
Avg rate6.38%
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 Starion Bank originated?
- 29 loans totaling $10.0M. The portfolio carries a 0.0% 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 Starion Bank fund the most?
- The “Top franchise exposures” table above lists the brands Starion 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.