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SBA 7(a) franchise lending portfolio
Triad Bank, National Association
CRITICAL risk
- Total loans
- 10
- Loan volume
- $2.4M
- Avg loan size
- $238K
- Default rate
- 50.0%
- vs 15.4% national avg
Defaults
3
Avg interest
7.39%
Franchises funded
6
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| CherryBerry | 3 | $896K | 66.7% |
| Simple Simon's Pizza | 3 | $693K | — |
| Mail Boxes Etc. Usa | 1 | $73K | 0.0% |
| Daylight Donut Shop | 1 | $147K | 100.0% |
| Java Daves | 1 | $30K | 0.0% |
| Hammer & Nails | 1 | $540K | — |
Lending volume by year
1'95
1'00
1'06
2'11
1'12
3'23
1'24
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%).