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SBA 7(a) franchise lending portfolio
The Fidelity Bank
EXCELLENT risk
- Total loans
- 64
- Loan volume
- $42.9M
- Avg loan size
- $670K
- Default rate
- 3.6%
- vs 15.4% national avg
Defaults
1
Avg interest
8.59%
Franchises funded
50
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| AAMCO Transmissions | 4 | $2.1M | 0.0% |
| Summer Moon Coffee Shop | 3 | $2.4M | — |
| Crave Hot Dogs and BBQ | 3 | $3.3M | — |
| Quiznos | 2 | $235K | 0.0% |
| Cottman Transmission and Total | 2 | $2.7M | — |
| Potbelly Sandwich Shop | 2 | $1.3M | — |
| Red Roof Inn | 2 | $4.1M | 0.0% |
| Mayweather Boxing & Fitness | 2 | $1.0M | 0.0% |
| The UPS Store (f/k/a Mail Box | 2 | $1.3M | — |
| Super 8 by Wyndhan | 2 | $3.8M | 0.0% |
| Meineke Car Care | 1 | $30K | 0.0% |
| Body Shop (the) | 1 | $391K | 0.0% |
| Moe's Sw Grill | 1 | $307K | 0.0% |
| Papa Romano's | 1 | $150K | 0.0% |
| Kiddie Academy | 1 | $315K | 0.0% |
| Radio Shack | 1 | $80K | 0.0% |
| Bath Junkie | 1 | $100K | 0.0% |
| Golden Corral (restaurant) | 1 | $375K | 0.0% |
| Lawn Doctor | 1 | $38K | 0.0% |
| Molly Maid | 1 | $150K | 0.0% |
Lending volume by year
1'94
1'98
1'00
1'02
2'03
4'04
2'05
2'06
1'11
7'21
12'22
16'23
4'24
8'25
2'26
The Fidelity Bank default rate by loan vintage
BrandNational avg
Geographic exposure
404.8%
70.0%
40.0%
2—
1—
10.0%
1—
10.0%
Portfolio summary
Total funded$42.9M
Defaults1 of 64
Risk tierEXCELLENT
Avg rate8.59%
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%).