TP
SBA 7(a) franchise lending portfolio
The Pueblo Bank and Trust Company
CRITICAL risk
- Total loans
- 10
- Loan volume
- $7.2M
- Avg loan size
- $716K
- Charge-off rate
- 28.6%
- vs 15.4% national avg
Defaults
2
Avg interest
6.10%
Franchises funded
9
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Big O Tires | 2 | $3.4M | N/A |
| Mail Boxes Etc. Usa | 1 | $76K | 100.0% (very high risk) |
| Subway Sandwich Shop | 1 | $75K | 0.0% (low risk) |
| The Blind Man | 1 | $40K | 0.0% (low risk) |
| Rnd Inc | 1 | $40K | 100.0% (very high risk) |
| Game Force | 1 | $60K | 0.0% (low risk) |
| Ramada Inns | 1 | $2.9M | 0.0% (low risk) |
| AR Workshop | 1 | $147K | 0.0% (low risk) |
| Set the Stage | 1 | $486K | N/A |
Lending volume by year
1'95
1'96
1'97
1'98
1'05
1'18
2'21
1'23
1'25
Geographic exposure
1028.6% (very high risk)
Portfolio summary
Total funded$7.2M
Defaults2 of 10
Risk tierCRITICAL
Avg rate6.10%
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 Pueblo Bank and Trust Company originated?
- 10 loans totaling $7.2M. The portfolio carries a 28.6% charge-off rate, earning a “CRITICAL” 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 Pueblo Bank and Trust Company fund the most?
- The “Top franchise exposures” table above lists the brands The Pueblo Bank and Trust Company has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.