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FranchiseVerdict

SBA 7(a) franchise lending portfolio

Triad Bank, National Association

CRITICAL risk
Total loans
10
Loan volume
$2.4M
Avg loan size
$238K
Charge-off rate
50.0%
vs 15.4% national avg

Defaults

3

Avg interest

7.39%

Franchises funded

6

Risk rating

CRITICAL

Top franchise exposures

FranchiseLoansVolumeDefault %
CherryBerry3$896K66.7% (very high risk)
Simple Simon's Pizza3$693KN/A
Mail Boxes Etc. Usa1$73K0.0% (low risk)
Daylight Donut Shop1$147K100.0% (very high risk)
Java Daves1$30K0.0% (low risk)
Hammer & Nails1$540KN/A

Geographic exposure

Oklahoma
550.0% (very high risk)
Texas
4100.0% (very high risk)
Arkansas
10.0% (low risk)

Portfolio summary

Total funded$2.4M
Defaults3 of 10
Risk tierCRITICAL
Avg rate7.39%

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 Triad Bank, National Association originated?
10 loans totaling $2.4M. The portfolio carries a 50.0% 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 Triad Bank, National Association fund the most?
The “Top franchise exposures” table above lists the brands Triad Bank, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.