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SBA 7(a) franchise lending portfolio
The Callaway Bank
EXCELLENT risk
- Total loans
- 20
- Loan volume
- $4.5M
- Avg loan size
- $224K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.79%
Franchises funded
14
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Smoothie King | 4 | $1.2M | 0.0% |
| Jersey Mike's | 3 | $780K | 0.0% |
| Scissors & Scotch | 2 | $850K | — |
| Taco Bell | 1 | $440K | 0.0% |
| W. G. Grinders | 1 | $60K | 0.0% |
| Wing Zone | 1 | $147K | 0.0% |
| Sandler Sales Institute | 1 | $150K | 0.0% |
| Massage Envy | 1 | $75K | 0.0% |
| Nutrishop | 1 | $64K | 0.0% |
| Jersey Mike's | 1 | $310K | 0.0% |
| The Growth Coach | 1 | $43K | — |
| Farmers Insurance Agent Appoin | 1 | $50K | 0.0% |
| Goosehead Insurance | 1 | $31K | — |
| All Dry | 1 | $295K | 0.0% |
Lending volume by year
1'92
1'02
2'05
1'07
1'15
1'18
4'19
2'20
3'21
2'23
2'24
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%).