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SBA 7(a) franchise lending portfolio
Texas Advantage Community Bank, National Association
EXCELLENT risk
- Total loans
- 13
- Loan volume
- $27.5M
- Avg loan size
- $2.1M
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.73%
Franchises funded
13
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Americas Best Value Inn (f/K/A | 1 | $2.1M | 0.0% |
| Comfort/ Comfort Inn & Suites/ | 1 | $4.2M | — |
| Econo Lodge by Choice Hotels/E | 1 | $2.8M | — |
| Econo Lodge | 1 | $2.1M | 0.0% |
| Budget Host Super 7 Motel | 1 | $2.0M | 0.0% |
| Mainstream Boutique | 1 | $136K | — |
| Studio 6 | 1 | $3.6M | 0.0% |
| Salata | 1 | $1.7M | — |
| The Lash Lounge | 1 | $420K | — |
| Fastsigns | 1 | $877K | — |
| Summer Moon Coffee Shop | 1 | $693K | — |
| Comfort Inn by Choice Hotels/C | 1 | $3.0M | — |
| Red Lion Hotels | 1 | $3.7M | 0.0% |
Lending volume by year
4'15
1'17
2'18
1'19
2'20
3'23
Geographic exposure
130.0%
Portfolio summary
Total funded$27.5M
Defaults0 of 13
Risk tierEXCELLENT
Avg rate6.73%
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%).