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SBA 7(a) franchise lending portfolio
The Citizens Bank
EXCELLENT risk
- Total loans
- 10
- Loan volume
- $4.9M
- Avg loan size
- $491K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.62%
Franchises funded
8
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Ace Hardware | 2 | $895K | 0.0% |
| Pizza Inn | 2 | $1.1M | 0.0% |
| Daylight Donut Shop | 1 | $145K | 0.0% |
| Hertz Rent-A-Car | 1 | $113K | 0.0% |
| Ledo Pizza | 1 | $325K | 0.0% |
| Friendly's | 1 | $1.8M | — |
| Tropical Smoothie Cafe | 1 | $324K | 0.0% |
| Planet Smoothie | 1 | $250K | — |
Lending volume by year
1'94
1'98
1'17
3'19
3'21
1'22
Geographic exposure
Portfolio summary
Total funded$4.9M
Defaults0 of 10
Risk tierEXCELLENT
Avg rate5.62%
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%).