TB
SBA 7(a) franchise lending portfolio
Truist Bank
AVERAGE risk
- Total loans
- 1,505
- Loan volume
- $586.4M
- Avg loan size
- $390K
- Charge-off rate
- 11.4%
- vs 15.4% national avg
Defaults
154
Avg interest
5.96%
Franchises funded
629
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 75 | $9.9M | 6.7% (moderate risk) |
| Kids R Kids | 29 | $37.5M | 11.1% (elevated risk) |
| Dunkin Donuts | 20 | $7.1M | 20.0% (very high risk) |
| Domino's Pizza | 18 | $2.5M | 5.6% (moderate risk) |
| Mail Boxes Etc. Usa | 15 | $1.7M | 0.0% (low risk) |
| The UPS Store | 14 | $3.5M | 33.3% (very high risk) |
| Dairy Queen | 13 | $6.0M | 0.0% (low risk) |
| The UPS Store (f/k/a Mail Box | 13 | $6.5M | 0.0% (low risk) |
| Post Net | 12 | $1.1M | 16.7% (high risk) |
| Jersey Mike's (deli Restaurant | 12 | $1.3M | 0.0% (low risk) |
| Mellow Mushroom | 12 | $10.0M | 10.0% (elevated risk) |
| Econo Lodge Motel | 11 | $8.0M | 0.0% (low risk) |
| Matco Tools (rent Tools) | 11 | $959K | 27.3% (very high risk) |
| Rita's Real Italian Water Ice | 11 | $2.4M | 9.1% (moderate risk) |
| Blimpie | 10 | $690K | 10.0% (elevated risk) |
| Schlotzsky's Sandwich Shop | 10 | $1.6M | 20.0% (very high risk) |
| Comfort Inn | 10 | $10.3M | 0.0% (low risk) |
| Once Upon A Child | 10 | $1.6M | 0.0% (low risk) |
| Quiznos | 10 | $1.5M | 10.0% (elevated risk) |
| Bruster's | 9 | $4.2M | 0.0% (low risk) |
Lending volume by year
34'92
47
54
101
44
66'97
33
51
48
43
65'02
52
69
76
18
25'07
50
40
38
33
22'12
11
63
61
69
78'17
48
72
33
19
17'22
14
5
5
1'26
Truist Bank charge-off rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Geographic exposure
35611.9% (elevated risk)
2129.5% (moderate risk)
2098.9% (moderate risk)
15914.5% (elevated risk)
11711.6% (elevated risk)
1069.3% (moderate risk)
769.0% (moderate risk)
706.2% (moderate risk)
5818.8% (high risk)
3711.4% (elevated risk)
Portfolio summary
Total funded$586.4M
Defaults154 of 1,505
Risk tierAVERAGE
Avg rate5.96%
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 Truist Bank originated?
- 1,505 loans totaling $586.4M. The portfolio carries a 11.4% 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 Truist Bank fund the most?
- The “Top franchise exposures” table above lists the brands Truist 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.