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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
- Default 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% |
| Simple Simon's Pizza | 2 | $250K | 0.0% |
| Daylight Donut Shop | 2 | $161K | 0.0% |
| Cottman Transmission | 1 | $120K | 100.0% |
| Maggiemoo's (ice Cream) | 1 | $150K | 0.0% |
| Coolgreens | 1 | $298K | 0.0% |
Lending volume by year
1'95
1'96
1'00
3'02
2'03
2'05
1'14
1'22
Geographic exposure
128.3%
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
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%).