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SBA 7(a) franchise lending portfolio
Sunrise Banks National Association
AVERAGE risk
- Total loans
- 112
- Loan volume
- $27.3M
- Avg loan size
- $244K
- Default rate
- 12.1%
- vs 15.4% national avg
Defaults
12
Avg interest
6.38%
Franchises funded
46
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dunn Bros Coffee | 20 | $4.3M | 20.0% |
| Subway Sandwich Shop | 6 | $1.1M | 0.0% |
| Anytime Fitness | 6 | $971K | 0.0% |
| Papa Murphy's Take & Bake Pizz | 5 | $2.3M | 0.0% |
| Mail Boxes Etc. Usa | 4 | $505K | 0.0% |
| Cartridge World | 4 | $317K | 50.0% |
| Green Mill | 4 | $1.8M | 0.0% |
| Milio's Sandwiches | 4 | $733K | 0.0% |
| The Original Red's Savoy Pizza | 4 | $600K | 0.0% |
| Sarpino's Pizzeria | 3 | $330K | 0.0% |
| Dunn Brothers Coffee | 3 | $1.3M | 0.0% |
| Clothes Mentor | 3 | $429K | 0.0% |
| Rocky Mountain Chocolate Facto | 2 | $540K | 50.0% |
| Skatetime School Programs | 2 | $228K | 0.0% |
| The UPS Store | 2 | $106K | 0.0% |
| Color Me Mine | 2 | $260K | 0.0% |
| Code Ninjas | 2 | $175K | 0.0% |
| Planet Smoothie | 2 | $925K | — |
| Clothes Mentor | 2 | $360K | 0.0% |
| Cleaning Authority (the) | 2 | $332K | 0.0% |
Lending volume by year
1'95
1
3
1
3
11'03
10
6
6
9
8'08
4
3
8
5
2'13
5
3
3
5
2'19
3
1
6
1
2'26
Sunrise Banks National Association default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$27.3M
Defaults12 of 112
Risk tierAVERAGE
Avg rate6.38%
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%).