SB
SBA 7(a) franchise lending portfolio
Stellar Bank
GOOD risk
- Total loans
- 181
- Loan volume
- $147.8M
- Avg loan size
- $816K
- Charge-off rate
- 8.7%
- vs 15.4% national avg
Defaults
10
Avg interest
6.21%
Franchises funded
92
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Christian Brothers Automotive | 52 | $14.9M | 0.0% (low risk) |
| Marco's Pizza | 8 | $2.8M | 0.0% (low risk) |
| Marco's Pizza | 4 | $1.5M | 0.0% (low risk) |
| Shipley Do-Nut | 4 | $3.2M | 0.0% (low risk) |
| Red Roof Inn | 3 | $7.7M | 0.0% (low risk) |
| Ivy Kids Early Learning Center | 3 | $13.4M | 0.0% (low risk) |
| Primrose School (daycare) | 3 | $2.8M | 0.0% (low risk) |
| Wendy's | 3 | $1.5M | 0.0% (low risk) |
| Children's Lighthouse | 2 | $4.1M | 0.0% (low risk) |
| Arby's | 2 | $2.4M | 50.0% (very high risk) |
| iShine Express Car Wash & Deta | 2 | $8.7M | N/A |
| Planet Fitness | 2 | $2.6M | 0.0% (low risk) |
| Kiddie Academy | 2 | $6.9M | 0.0% (low risk) |
| The UPS Store | 2 | $375K | 0.0% (low risk) |
| 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 | 0.0% (low risk) |
| Children's Lighthouse Early Le | 2 | $1.1M | 0.0% (low risk) |
| Chicken Kitchen | 2 | $772K | 100.0% (very high risk) |
Lending volume by year
1'95
1'06
2'08
3'09
19'10
14'11
11'12
14'13
8'14
17'15
13'16
8'17
12'18
10'19
8'20
9'21
14'22
12'23
1'24
4'25
Stellar Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$147.8M
Defaults10 of 181
Risk tierGOOD
Avg rate6.21%
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). 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 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.