TB
SBA 7(a) franchise lending portfolio
The Bank of Tampa
AVERAGE risk
- Total loans
- 17
- Loan volume
- $16.4M
- Avg loan size
- $964K
- Charge-off 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 | N/A |
| Wingstop Restaurant | 1 | $125K | 100.0% (very high risk) |
| Massage Envy | 1 | $350K | 0.0% (low risk) |
| Amazing Lash Studio | 1 | $380K | 0.0% (low risk) |
| Storage Authority | 1 | $5.0M | 0.0% (low risk) |
| Foot Solutions | 1 | $380K | 0.0% (low risk) |
| Nothing Bundt Cakes | 1 | $450K | 0.0% (low risk) |
| Woof Gang Bakery and Grooming | 1 | $142K | 0.0% (low risk) |
| Aussie Pet Mobil | 1 | $720K | N/A |
| D-Bat | 1 | $1.0M | N/A |
| Smash My Trash | 1 | $418K | N/A |
| Ice Cold Air | 1 | $2.2M | N/A |
| Urban Air Adventure Park | 1 | $1.5M | 0.0% (low risk) |
| "RedLine Athletics", "Redline | 1 | $400K | N/A |
| More Space Place | 1 | $1.9M | N/A |
| Blo Blow Dry Bar | 1 | $217K | N/A |
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% (elevated risk)
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
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 The Bank of Tampa originated?
- 17 loans totaling $16.4M. The portfolio carries a 12.5% charge-off rate, earning a “AVERAGE” 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 The Bank of Tampa fund the most?
- The “Top franchise exposures” table above lists the brands The Bank of Tampa has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.