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SBA 7(a) franchise lending portfolio
Transamerica Small Business Capital, Inc.
CRITICAL risk
- Total loans
- 135
- Loan volume
- $72.1M
- Avg loan size
- $534K
- Default rate
- 25.6%
- vs 15.4% national avg
Defaults
34
Avg interest
—
Franchises funded
69
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 7 | $1.5M | 0.0% |
| Smoothie King (health Food Sto | 6 | $451K | 16.7% |
| Ramada Inn | 6 | $8.0M | 0.0% |
| Best Western Inn | 6 | $6.9M | 16.7% |
| Manhattan Bagel Co. | 5 | $664K | 20.0% |
| Econo Lodge Motel | 5 | $4.0M | 20.0% |
| Woody's Barbecue | 5 | $1.2M | 0.0% |
| Howard Johnson | 5 | $4.9M | 0.0% |
| Comfort Inn | 4 | $4.9M | 0.0% |
| Cici's Pizza | 4 | $595K | 0.0% |
| Hampton Inns | 4 | $4.5M | 0.0% |
| Super 8 Motel | 4 | $4.4M | 25.0% |
| Wedding Expressions | 3 | $240K | 100.0% |
| Discovery Zone (children's Gym | 3 | $1.0M | 33.3% |
| Days Inn | 3 | $2.7M | 33.3% |
| Party City (party Paper Goods) | 2 | $385K | 0.0% |
| Chop Chop | 2 | $242K | 50.0% |
| Beauty Warehouse | 2 | $161K | 50.0% |
| Management Recruiters | 2 | $225K | 0.0% |
| Baskin-Robbins 31 Ice Cream | 2 | $264K | 50.0% |
Lending volume by year
11'92
19'93
26'94
18'95
16'96
19'97
6'98
13'99
7'00
Transamerica Small Business Capital, Inc. default rate by loan vintage
BrandNational avg
Geographic exposure
2733.3%
1829.4%
1421.4%
128.3%
825.0%
825.0%
825.0%
742.9%
50.0%
520.0%
Portfolio summary
Total funded$72.1M
Defaults34 of 135
Risk tierCRITICAL
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%).