TF
SBA 7(a) franchise lending portfolio
The Fidelity Bank
Risk rating: Excellent
- Total loans
- 64
- Loan volume
- $42.9M
- Avg loan size
- $670K
- Charge-off rate
- 3.6%
- vs 16.0% national
Charged off
1
Avg interest
8.59%
Franchises funded
50
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| AAMCO Transmissions | 4 | $2.1M | N/A |
| Summer Moon Coffee Shop | 3 | $2.4M | N/A |
| Crave Hot Dogs and BBQ | 3 | $3.3M | N/A |
| Quiznos | 2 | $235K | N/A |
| Cottman Transmission and Total | 2 | $2.7M | N/A |
| Potbelly Sandwich Shop | 2 | $1.3M | N/A |
| Red Roof Inn | 2 | $4.1M | N/A |
| Mayweather Boxing & Fitness | 2 | $1.0M | N/A |
| The UPS Store (f/k/a Mail Box | 2 | $1.3M | N/A |
| Super 8 by Wyndhan | 2 | $3.8M | N/A |
| Meineke Car Care | 1 | $30K | N/A |
| Body Shop (the) | 1 | $391K | N/A |
| Moe's Sw Grill | 1 | $307K | N/A |
| Papa Romano's | 1 | $150K | N/A |
| Kiddie Academy | 1 | $315K | N/A |
| Radio Shack | 1 | $80K | N/A |
| Bath Junkie | 1 | $100K | N/A |
| Golden Corral (restaurant) | 1 | $375K | N/A |
| Lawn Doctor | 1 | $38K | N/A |
| Molly Maid | 1 | $150K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1994 | 1 |
| FY1998 | 1 |
| FY2000 | 1 |
| FY2002 | 1 |
| FY2003 | 2 |
| FY2004 | 4 |
| FY2005 | 2 |
| FY2006 | 2 |
| FY2011 | 1 |
| FY2021 | 7 |
| FY2022 | 12 |
| FY2023 | 16 |
| FY2024 | 4 |
| FY2025 | 8 |
| FY2026 | 2 |
SBA 7(a) · charge-off rate by approval year
The Fidelity Bank charge-off rate by loan vintage
None of these 3 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2004 | 4 | 0 | Too few |
| 2021 | 6 | 0 | Too early |
| 2022 | 5 | 0 | Too early |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
404.8% (excellent)
7N/A
4N/A
2N/A
1N/A
1N/A
1N/A
1N/A
1N/A
1N/A
Portfolio summary
Total funded$42.9M
Charged off1 of 64
Risk tierExcellent
Avg rate8.59%
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 Fidelity Bank originated?
- 64 loans totaling $42.9M. The portfolio carries a 3.6% charge-off rate, earning a “Excellent” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. The Fidelity Bank's rate of 3.6% is below the national rate.
- 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 Fidelity Bank fund the most?
- The “Top franchise exposures” table above lists the brands The Fidelity 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.