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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
- Default 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 | — |
| Mail Boxes Etc. Usa | 1 | $76K | 100.0% |
| Subway Sandwich Shop | 1 | $75K | 0.0% |
| The Blind Man | 1 | $40K | 0.0% |
| Rnd Inc | 1 | $40K | 100.0% |
| Game Force | 1 | $60K | 0.0% |
| Ramada Inns | 1 | $2.9M | 0.0% |
| AR Workshop | 1 | $147K | 0.0% |
| Set the Stage | 1 | $486K | — |
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%
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
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%).