TM
SBA 7(a) franchise lending portfolio
The MINT National Bank
EXCELLENT risk
- Total loans
- 135
- Loan volume
- $292.3M
- Avg loan size
- $2.2M
- Charge-off rate
- 1.4%
- vs 15.4% national avg
Defaults
1
Avg interest
6.27%
Franchises funded
80
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Motel 6 | 7 | $23.0M | 0.0% (low risk) |
| Quality Inn/Quality Suites, Ho | 5 | $15.4M | 0.0% (low risk) |
| Red Roof Inn | 5 | $13.9M | 0.0% (low risk) |
| Rodeway Inn | 4 | $4.4M | 0.0% (low risk) |
| Microtel Inn And Suites | 4 | $3.9M | 0.0% (low risk) |
| Super 8 | 4 | $6.2M | 0.0% (low risk) |
| Quality Inn by Choice Hotels / | 3 | $9.4M | 0.0% (low risk) |
| Days Inn | 3 | $3.7M | 0.0% (low risk) |
| Americas Best Value Inn (f/K/A | 3 | $3.6M | 0.0% (low risk) |
| Days Inn by Wyndham | 3 | $6.7M | 0.0% (low risk) |
| Red Carpet Inn/Red Carpet Suit | 3 | $3.6M | 0.0% (low risk) |
| Dunkin' Donuts | 3 | $4.2M | 0.0% (low risk) |
| La Quinta by Wyndham a.k.a. La | 3 | $9.2M | 0.0% (low risk) |
| Red Roof Inn | 3 | $4.1M | 50.0% (very high risk) |
| La Quinta Inn | 2 | $4.5M | 0.0% (low risk) |
| Exxon | 2 | $1.4M | N/A |
| Dunkin' Donuts | 2 | $1.8M | 0.0% (low risk) |
| Knights Inn | 2 | $2.4M | N/A |
| Shell Service Station | 2 | $1.6M | 0.0% (low risk) |
| Country Inns & Suites By Carls | 2 | $2.9M | 0.0% (low risk) |
Lending volume by year
3'14
12'15
19'16
13'17
12'18
11'19
21'20
17'21
12'22
6'23
4'24
4'25
1'26
The MINT National Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
360.0% (low risk)
230.0% (low risk)
80.0% (low risk)
70.0% (low risk)
70.0% (low risk)
70.0% (low risk)
50.0% (low risk)
50.0% (low risk)
5100.0% (very high risk)
40.0% (low risk)
Portfolio summary
Total funded$292.3M
Defaults1 of 135
Risk tierEXCELLENT
Avg rate6.27%
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 MINT National Bank originated?
- 135 loans totaling $292.3M. The portfolio carries a 1.4% 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 MINT National Bank fund the most?
- The “Top franchise exposures” table above lists the brands The MINT National 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.