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SBA 7(a) franchise lending portfolio
The MINT National Bank
EXCELLENT risk
- Total loans
- 135
- Loan volume
- $292.3M
- Avg loan size
- $2.2M
- Default 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% |
| Quality Inn/Quality Suites, Ho | 5 | $15.4M | 0.0% |
| Red Roof Inn | 5 | $13.9M | 0.0% |
| Rodeway Inn | 4 | $4.4M | 0.0% |
| Microtel Inn And Suites | 4 | $3.9M | 0.0% |
| Super 8 | 4 | $6.2M | 0.0% |
| Quality Inn by Choice Hotels / | 3 | $9.4M | 0.0% |
| Days Inn | 3 | $3.7M | 0.0% |
| Americas Best Value Inn (f/K/A | 3 | $3.6M | 0.0% |
| Days Inn by Wyndham | 3 | $6.7M | 0.0% |
| Red Carpet Inn/Red Carpet Suit | 3 | $3.6M | 0.0% |
| Dunkin' Donuts | 3 | $4.2M | 0.0% |
| La Quinta by Wyndham a.k.a. La | 3 | $9.2M | 0.0% |
| Red Roof Inn | 3 | $4.1M | 50.0% |
| La Quinta Inn | 2 | $4.5M | 0.0% |
| Exxon | 2 | $1.4M | — |
| Dunkin' Donuts | 2 | $1.8M | 0.0% |
| Knights Inn | 2 | $2.4M | — |
| Shell Service Station | 2 | $1.6M | 0.0% |
| Country Inns & Suites By Carls | 2 | $2.9M | 0.0% |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
360.0%
230.0%
80.0%
70.0%
70.0%
70.0%
50.0%
50.0%
5100.0%
40.0%
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
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%).