TP
SBA 7(a) franchise lending portfolio
The Park Bank
EXCELLENT risk
- Total loans
- 14
- Loan volume
- $5.3M
- Avg loan size
- $381K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.29%
Franchises funded
12
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Little Ceasar's Pizza | 2 | $850K | 0.0% (low risk) |
| Fleet Feet Sports | 2 | $300K | 0.0% (low risk) |
| Matco Tools (rent Tools) | 1 | $35K | 0.0% (low risk) |
| Hobbytown Usa | 1 | $90K | 0.0% (low risk) |
| Culligan Soft Water Service | 1 | $1.5M | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $140K | 0.0% (low risk) |
| Line-X | 1 | $191K | 0.0% (low risk) |
| Bear Rock Cafe | 1 | $390K | 0.0% (low risk) |
| Play It Again Sports (retail S | 1 | $25K | 0.0% (low risk) |
| Orange Theory Fitness | 1 | $1.3M | 0.0% (low risk) |
| Orange Shoe Personal Fitness | 1 | $339K | 0.0% (low risk) |
| Infiniti Dealer Sales and Serv | 1 | $180K | N/A |
Lending volume by year
1'93
1'95
1'96
1'03
1'07
1'08
3'09
2'14
1'18
1'21
1'22
Geographic exposure
140.0% (low risk)
Portfolio summary
Total funded$5.3M
Defaults0 of 14
Risk tierEXCELLENT
Avg rate5.29%
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 Park Bank originated?
- 14 loans totaling $5.3M. The portfolio carries a 0.0% 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 Park Bank fund the most?
- The “Top franchise exposures” table above lists the brands The Park 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.