TV
SBA 7(a) franchise lending portfolio
The Victory Bank
AVERAGE risk
- Total loans
- 10
- Loan volume
- $3.4M
- Avg loan size
- $341K
- Charge-off 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 | N/A |
| Matco Tools | 1 | $142K | 100.0% (very high risk) |
| Cinnabon | 1 | $360K | 0.0% (low risk) |
| Minuteman Press | 1 | $50K | 0.0% (low risk) |
| United Imaging Partners | 1 | $112K | 0.0% (low risk) |
| Allstate Insurance | 1 | $125K | 0.0% (low risk) |
| Auntie Ann's (soft Pretzels) | 1 | $335K | 0.0% (low risk) |
| Bekins Van Lines - Agency Agre | 1 | $100K | 0.0% (low risk) |
| Waxing the City | 1 | $320K | N/A |
Lending volume by year
1'12
4'13
1'14
2'22
2'23
Geographic exposure
1014.3% (elevated risk)
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
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 Victory Bank originated?
- 10 loans totaling $3.4M. The portfolio carries a 14.3% charge-off rate, earning a “AVERAGE” 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 Victory Bank fund the most?
- The “Top franchise exposures” table above lists the brands The Victory 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.