TN
SBA 7(a) franchise lending portfolio
The National Bank of Indianapolis
GOOD risk
- Total loans
- 12
- Loan volume
- $1.4M
- Avg loan size
- $116K
- Charge-off rate
- 8.3%
- vs 15.4% national avg
Defaults
1
Avg interest
5.54%
Franchises funded
10
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Fantastic Sam's | 2 | $220K | 0.0% (low risk) |
| College Nannies & Tutors | 2 | $145K | 0.0% (low risk) |
| Bounceu | 1 | $25K | 100.0% (very high risk) |
| Servpro | 1 | $50K | 0.0% (low risk) |
| Dairy Queen | 1 | $252K | 0.0% (low risk) |
| Papa John's Pizza | 1 | $220K | 0.0% (low risk) |
| Field Of Dreams | 1 | $150K | 0.0% (low risk) |
| General Nutrition Center | 1 | $170K | 0.0% (low risk) |
| Postal Instant Press | 1 | $50K | 0.0% (low risk) |
| Pip Printing | 1 | $115K | 0.0% (low risk) |
Lending volume by year
1'00
2'02
3'03
1'09
3'11
2'17
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 National Bank of Indianapolis originated?
- 12 loans totaling $1.4M. The portfolio carries a 8.3% charge-off rate, earning a “GOOD” 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 National Bank of Indianapolis fund the most?
- The “Top franchise exposures” table above lists the brands The National Bank of Indianapolis has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.