SB
SBA 7(a) franchise lending portfolio
Stellar Bank
Risk rating: Good
- Total loans
- 181
- Loan volume
- $147.8M
- Avg loan size
- $816K
- Charge-off rate
- 8.7%
- vs 16.0% national
Charged off
10
Avg interest
6.21%
Franchises funded
92
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Christian Brothers Automotive | 52 | $14.9M | 0.0% (excellent) |
| Marco's Pizza | 12 | $4.4M | N/A |
| Shipley Do-Nut | 4 | $3.2M | N/A |
| Children's Lighthouse | 4 | $5.2M | N/A |
| Red Roof Inn | 3 | $7.7M | N/A |
| Ivy Kids Early Learning Center | 3 | $13.4M | N/A |
| Primrose School (daycare) | 3 | $2.8M | N/A |
| Wendy's | 3 | $1.5M | N/A |
| Arby's | 2 | $2.4M | N/A |
| iShine Express Car Wash & Deta | 2 | $8.7M | N/A |
| Planet Fitness | 2 | $2.6M | N/A |
| Kiddie Academy | 2 | $6.9M | N/A |
| The UPS Store | 2 | $375K | N/A |
| Urban Air Adventure Park | 2 | $2.0M | N/A |
| Martinizing Dry Cleaning | 2 | $1.2M | N/A |
| Tommy's Express | 2 | $4.4M | N/A |
| F45 Training | 2 | $752K | N/A |
| Chicken Kitchen | 2 | $772K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1995 | 1 |
| FY2006 | 1 |
| FY2008 | 2 |
| FY2009 | 3 |
| FY2010 | 19 |
| FY2011 | 14 |
| FY2012 | 11 |
| FY2013 | 14 |
| FY2014 | 8 |
| FY2015 | 17 |
| FY2016 | 13 |
| FY2017 | 8 |
| FY2018 | 12 |
| FY2019 | 10 |
| FY2020 | 8 |
| FY2021 | 9 |
| FY2022 | 14 |
| FY2023 | 12 |
| FY2024 | 1 |
| FY2025 | 4 |
SBA 7(a) · charge-off rate by approval year
Stellar Bank: below all franchise loans in 4 of 5 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2009 | 3 | 0 | Too few |
| 2010 | 19 | 2 | 10.5% |
| 2011 | 14 | 0 | 0.0% |
| 2012 | 10 | 0 | 0.0% |
| 2013 | 13 | 0 | 0.0% |
| 2014 | 8 | 2 | Too few |
| 2015 | 16 | 1 | 6.2% |
| 2016 | 8 | 0 | Too few |
| 2017 | 5 | 0 | Too few |
| 2018 | 5 | 0 | Too few |
| 2020 | 3 | 2 | Too early |
| 2022 | 3 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
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 Stellar Bank originated?
- 181 loans totaling $147.8M. The portfolio carries a 8.7% charge-off rate, earning a “Good” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Stellar Bank's rate of 8.7% is below the national rate.
- 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 Stellar Bank fund the most?
- The “Top franchise exposures” table above lists the brands Stellar 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.