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SBA 7(a) franchise lending portfolio
The Bank of Tampa
AVERAGE risk
- Total loans
- 17
- Loan volume
- $16.4M
- Avg loan size
- $964K
- Default rate
- 12.5%
- vs 15.4% national avg
Defaults
1
Avg interest
6.66%
Franchises funded
16
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| World of Beer | 2 | $1.2M | — |
| Wingstop Restaurant | 1 | $125K | 100.0% |
| Massage Envy | 1 | $350K | 0.0% |
| Amazing Lash Studio | 1 | $380K | 0.0% |
| Storage Authority | 1 | $5.0M | 0.0% |
| Foot Solutions | 1 | $380K | 0.0% |
| Nothing Bundt Cakes | 1 | $450K | 0.0% |
| Woof Gang Bakery and Grooming | 1 | $142K | 0.0% |
| Aussie Pet Mobil | 1 | $720K | — |
| D-Bat | 1 | $1.0M | — |
| Smash My Trash | 1 | $418K | — |
| Ice Cold Air | 1 | $2.2M | — |
| Urban Air Adventure Park | 1 | $1.5M | 0.0% |
| "RedLine Athletics", "Redline | 1 | $400K | — |
| More Space Place | 1 | $1.9M | — |
| Blo Blow Dry Bar | 1 | $217K | — |
Lending volume by year
1'05
1'16
2'17
3'18
2'19
4'20
1'21
2'23
1'25
Geographic exposure
1712.5%
Portfolio summary
Total funded$16.4M
Defaults1 of 17
Risk tierAVERAGE
Avg rate6.66%
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%).