SBA 7(a) franchise lending portfolio
The MINT National Bank
- Total loans
- 135
- Loan volume
- $292.3M
- Avg loan size
- $2.2M
- Charge-off rate
- 1.4%
- vs 16.0% national
Charged off
1
Avg interest
6.27%
Franchises funded
80
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Red Roof Inn | 8 | $18.0M | N/A |
| Motel 6 | 7 | $23.0M | N/A |
| Days Inn | 6 | $10.4M | N/A |
| Quality Inn/Quality Suites, Ho | 5 | $15.4M | N/A |
| Dunkin' Donuts | 5 | $6.0M | N/A |
| La Quinta by Wyndham a.k.a. La | 5 | $13.7M | N/A |
| RODEWAY INN | 4 | $4.4M | N/A |
| Microtel Inn And Suites | 4 | $3.9M | N/A |
| Super 8 | 4 | $6.2M | N/A |
| Quality Inn by Choice Hotels / | 3 | $9.4M | N/A |
| Americas Best Value Inn (f/K/A | 3 | $3.6M | N/A |
| Red Carpet Inn/Red Carpet Suit | 3 | $3.6M | N/A |
| Exxon | 2 | $1.4M | N/A |
| Knights Inn | 2 | $2.4M | N/A |
| Shell Service Station | 2 | $1.6M | N/A |
| Country Inns & Suites By Carls | 2 | $2.9M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2014 | 3 |
| FY2015 | 12 |
| FY2016 | 19 |
| FY2017 | 13 |
| FY2018 | 12 |
| FY2019 | 11 |
| FY2020 | 21 |
| FY2021 | 17 |
| FY2022 | 12 |
| FY2023 | 6 |
| FY2024 | 4 |
| FY2025 | 4 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
The MINT National Bank: below all franchise loans in each of the 3 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2014 | 3 | 0 | Too few |
| 2015 | 10 | 0 | 0.0% |
| 2016 | 15 | 1 | 6.7% |
| 2017 | 6 | 0 | Too few |
| 2018 | 7 | 0 | Too few |
| 2019 | 5 | 0 | Too few |
| 2020 | 12 | 0 | 0.0% |
| 2021 | 8 | 0 | Too early |
| 2022 | 5 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
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). 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 MINT National Bank's rate of 1.4% 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 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.