SB
SBA 7(a) franchise lending portfolio
Sunrise Banks National Association
Risk rating: Average
- Total loans
- 112
- Loan volume
- $27.3M
- Avg loan size
- $244K
- Charge-off rate
- 12.1%
- vs 16.0% national
Charged off
12
Avg interest
6.38%
Franchises funded
46
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Dunn Bros Coffee | 23 | $5.7M | N/A |
| Subway Sandwich Shop | 6 | $1.1M | N/A |
| Anytime Fitness | 6 | $971K | N/A |
| Mail Boxes Etc. Usa | 6 | $611K | N/A |
| Papa Murphy's Take & Bake Pizz | 5 | $2.3M | N/A |
| Clothes Mentor | 5 | $789K | N/A |
| Cartridge World | 4 | $317K | N/A |
| Green Mill | 4 | $1.8M | N/A |
| Milio's Sandwiches | 4 | $733K | N/A |
| The Original Red's Savoy Pizza | 4 | $600K | N/A |
| Sarpino's Pizzeria | 3 | $330K | N/A |
| Rocky Mountain Chocolate Facto | 2 | $540K | N/A |
| Skatetime School Programs | 2 | $228K | N/A |
| Color Me Mine | 2 | $260K | N/A |
| Code Ninjas | 2 | $175K | N/A |
| Planet Smoothie | 2 | $925K | N/A |
| Cleaning Authority (the) | 2 | $332K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1995 | 1 |
| FY1996 | 1 |
| FY1997 | 3 |
| FY1998 | 1 |
| FY2002 | 3 |
| FY2003 | 11 |
| FY2004 | 10 |
| FY2005 | 6 |
| FY2006 | 6 |
| FY2007 | 9 |
| FY2008 | 8 |
| FY2009 | 4 |
| FY2010 | 3 |
| FY2011 | 8 |
| FY2012 | 5 |
| FY2013 | 2 |
| FY2015 | 5 |
| FY2016 | 3 |
| FY2017 | 3 |
| FY2018 | 5 |
| FY2019 | 2 |
| FY2020 | 3 |
| FY2021 | 1 |
| FY2022 | 6 |
| FY2023 | 1 |
| FY2026 | 2 |
SBA 7(a) · charge-off rate by approval year
Sunrise Banks National Association: below all franchise loans in each of the 2 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1997 | 3 | 0 | Too few |
| 2002 | 3 | 0 | Too few |
| 2003 | 11 | 1 | 9.1% |
| 2004 | 10 | 1 | 10.0% |
| 2005 | 6 | 2 | Too few |
| 2006 | 6 | 2 | Too few |
| 2007 | 9 | 5 | Too few |
| 2008 | 8 | 0 | Too few |
| 2009 | 4 | 1 | Too few |
| 2010 | 3 | 0 | Too few |
| 2011 | 8 | 0 | Too few |
| 2012 | 5 | 0 | Too few |
| 2015 | 5 | 0 | Too few |
| 2016 | 3 | 0 | Too few |
| 2018 | 3 | 0 | Too few |
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.
Geographic exposure
Portfolio summary
Total funded$27.3M
Charged off12 of 112
Risk tierAverage
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 Sunrise Banks National Association originated?
- 112 loans totaling $27.3M. The portfolio carries a 12.1% charge-off rate, earning a “Average” 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. Sunrise Banks National Association's rate of 12.1% 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 Sunrise Banks National Association fund the most?
- The “Top franchise exposures” table above lists the brands Sunrise Banks National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.