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SBA 7(a) franchise lending portfolio
The Victory Bank
AVERAGE risk
- Total loans
- 10
- Loan volume
- $3.4M
- Avg loan size
- $341K
- Default rate
- 14.3%
- vs 15.4% national avg
Defaults
1
Avg interest
6.65%
Franchises funded
9
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dunkin' Donuts | 2 | $1.9M | — |
| Matco Tools | 1 | $142K | 100.0% |
| Cinnabon | 1 | $360K | 0.0% |
| Minuteman Press | 1 | $50K | 0.0% |
| United Imaging Partners | 1 | $112K | 0.0% |
| Allstate Insurance | 1 | $125K | 0.0% |
| Auntie Ann's (soft Pretzels) | 1 | $335K | 0.0% |
| Bekins Van Lines - Agency Agre | 1 | $100K | 0.0% |
| Waxing the City | 1 | $320K | — |
Lending volume by year
1'12
4'13
1'14
2'22
2'23
Geographic exposure
1014.3%
Portfolio summary
Total funded$3.4M
Defaults1 of 10
Risk tierAVERAGE
Avg rate6.65%
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%).