TF
SBA 7(a) franchise lending portfolio
The Fidelity Bank
EXCELLENT risk
- Total loans
- 64
- Loan volume
- $42.9M
- Avg loan size
- $670K
- Charge-off 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% (low risk) |
| Summer Moon Coffee Shop | 3 | $2.4M | N/A |
| Crave Hot Dogs and BBQ | 3 | $3.3M | N/A |
| Quiznos | 2 | $235K | 0.0% (low risk) |
| Cottman Transmission and Total | 2 | $2.7M | N/A |
| Potbelly Sandwich Shop | 2 | $1.3M | N/A |
| Red Roof Inn | 2 | $4.1M | 0.0% (low risk) |
| Mayweather Boxing & Fitness | 2 | $1.0M | 0.0% (low risk) |
| The UPS Store (f/k/a Mail Box | 2 | $1.3M | N/A |
| Super 8 by Wyndhan | 2 | $3.8M | 0.0% (low risk) |
| Meineke Car Care | 1 | $30K | 0.0% (low risk) |
| Body Shop (the) | 1 | $391K | 0.0% (low risk) |
| Moe's Sw Grill | 1 | $307K | 0.0% (low risk) |
| Papa Romano's | 1 | $150K | 0.0% (low risk) |
| Kiddie Academy | 1 | $315K | 0.0% (low risk) |
| Radio Shack | 1 | $80K | 0.0% (low risk) |
| Bath Junkie | 1 | $100K | 0.0% (low risk) |
| Golden Corral (restaurant) | 1 | $375K | 0.0% (low risk) |
| Lawn Doctor | 1 | $38K | 0.0% (low risk) |
| Molly Maid | 1 | $150K | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
404.8% (low risk)
70.0% (low risk)
40.0% (low risk)
2N/A
1N/A
1N/A
10.0% (low risk)
1N/A
1N/A
10.0% (low risk)
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
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). 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 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.