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SBA 7(a) franchise lending portfolio
The Bank of Houston
EXCELLENT risk
- Total loans
- 56
- Loan volume
- $35.6M
- Avg loan size
- $635K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
8.36%
Franchises funded
44
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Massage LuXe | 6 | $2.9M | 0.0% |
| Koala Insulation | 3 | $998K | 0.0% |
| LaVida Massage | 3 | $924K | 0.0% |
| Stretch Lab | 2 | $605K | — |
| American Freight | 2 | $1.4M | 0.0% |
| The UPS Store (f/k/a Mail Box | 2 | $680K | — |
| Paris Baguette | 1 | $1.6M | — |
| Project Lean Nation | 1 | $304K | — |
| redbox+ | 1 | $600K | — |
| Generator Supercenter | 1 | $486K | — |
| Nautical Bowls | 1 | $312K | 0.0% |
| Crave Cookies | 1 | $462K | — |
| Play It Again Sports | 1 | $375K | 0.0% |
| The Great Frame Up | 1 | $203K | — |
| Quality Inn by Choice Hotels / | 1 | $3.5M | 0.0% |
| New Distributing Co. Inc (Phil | 1 | $608K | — |
| Subway | 1 | $370K | — |
| Home Service Oil Company - Con | 1 | $1.8M | 0.0% |
| Right at Home | 1 | $1.3M | — |
| Americas Best Value Inn | 1 | $1.1M | — |
Lending volume by year
2'20
12'21
15'22
15'23
6'24
5'25
1'26
The Bank of Houston default rate by loan vintage
BrandNational avg
Geographic exposure
210.0%
50.0%
50.0%
30.0%
30.0%
20.0%
20.0%
20.0%
20.0%
1—
Portfolio summary
Total funded$35.6M
Defaults0 of 56
Risk tierEXCELLENT
Avg rate8.36%
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%).