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SBA 7(a) franchise lending portfolio
Twin City Bank
GOOD risk
- Total loans
- 11
- Loan volume
- $2.5M
- Avg loan size
- $231K
- Default rate
- 9.1%
- vs 15.4% national avg
Defaults
1
Avg interest
6.25%
Franchises funded
4
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 5 | $552K | 0.0% |
| Camp Bow Wow | 3 | $1.0M | 0.0% |
| Zoup | 2 | $777K | 0.0% |
| Figaro's Italian Pizza | 1 | $172K | 100.0% |
Lending volume by year
3'01
2'02
1'08
2'12
2'13
1'14
Geographic exposure
Portfolio summary
Total funded$2.5M
Defaults1 of 11
Risk tierGOOD
Avg rate6.25%
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%).