TB
SBA 7(a) franchise lending portfolio
Textron Business Credit, Inc.
CRITICAL risk
- Total loans
- 33
- Loan volume
- $7.2M
- Avg loan size
- $217K
- Charge-off rate
- 42.4%
- vs 15.4% national avg
Defaults
14
Avg interest
N/A
Franchises funded
18
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Great Clips | 7 | $810K | 0.0% (low risk) |
| Minuteman Press | 5 | $395K | 60.0% (very high risk) |
| Quiznos | 3 | $385K | 33.3% (very high risk) |
| Planet Smoothie | 3 | $452K | 66.7% (very high risk) |
| Mail Boxes Etc. Usa | 2 | $350K | 50.0% (very high risk) |
| Subway Sandwich Shop | 1 | $75K | 0.0% (low risk) |
| Moto Photo | 1 | $90K | 100.0% (very high risk) |
| Bullets | 1 | $1.0M | 100.0% (very high risk) |
| Alphagraphics, Printshops Of T | 1 | $451K | 100.0% (very high risk) |
| Fantastic Sam's | 1 | $74K | 100.0% (very high risk) |
| Dairy Queen | 1 | $515K | 100.0% (very high risk) |
| Jerry's Sub Shop | 1 | $190K | 100.0% (very high risk) |
| Back Yard Burgers | 1 | $668K | 0.0% (low risk) |
| Sports Clips | 1 | $157K | 0.0% (low risk) |
| Tutor Time | 1 | $175K | 0.0% (low risk) |
| Villager Lodge | 1 | $741K | 100.0% (very high risk) |
| Atlanta Bread Company | 1 | $550K | 0.0% (low risk) |
| Escape Enterprises, Inc. | 1 | $96K | 0.0% (low risk) |
Lending volume by year
1'96
2'97
6'99
7'00
16'01
1'02
Textron Business Credit, Inc. charge-off rate by loan vintage
BrandNational avg
Geographic exposure
450.0% (very high risk)
333.3% (very high risk)
30.0% (low risk)
250.0% (very high risk)
250.0% (very high risk)
250.0% (very high risk)
20.0% (low risk)
250.0% (very high risk)
1100.0% (very high risk)
1100.0% (very high risk)
Portfolio summary
Total funded$7.2M
Defaults14 of 33
Risk tierCRITICAL
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 Textron Business Credit, Inc. originated?
- 33 loans totaling $7.2M. The portfolio carries a 42.4% charge-off rate, earning a “CRITICAL” 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 Textron Business Credit, Inc. fund the most?
- The “Top franchise exposures” table above lists the brands Textron Business Credit, Inc. has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.