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SBA 7(a) franchise lending portfolio
The Exchange Bank
GOOD risk
- Total loans
- 12
- Loan volume
- $1.6M
- Avg loan size
- $130K
- Charge-off rate
- 8.3%
- vs 15.4% national avg
Defaults
1
Avg interest
5.37%
Franchises funded
6
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 5 | $576K | 0.0% (low risk) |
| Simple Simon's Pizza | 2 | $250K | 0.0% (low risk) |
| Daylight Donut Shop | 2 | $161K | 0.0% (low risk) |
| Cottman Transmission | 1 | $120K | 100.0% (very high risk) |
| Maggiemoo's (ice Cream) | 1 | $150K | 0.0% (low risk) |
| Coolgreens | 1 | $298K | 0.0% (low risk) |
Lending volume by year
1'95
1'96
1'00
3'02
2'03
2'05
1'14
1'22
Geographic exposure
128.3% (moderate risk)
Portfolio summary
Total funded$1.6M
Defaults1 of 12
Risk tierGOOD
Avg rate5.37%
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 Exchange Bank originated?
- 12 loans totaling $1.6M. The portfolio carries a 8.3% charge-off rate, earning a “GOOD” 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 Exchange Bank fund the most?
- The “Top franchise exposures” table above lists the brands The Exchange Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.