UB
SBA 7(a) franchise lending portfolio
U.S. Bank, National Association
AVERAGE risk
- Total loans
- 2,064
- Loan volume
- $731.5M
- Avg loan size
- $354K
- Charge-off rate
- 14.5%
- vs 15.4% national avg
Defaults
252
Avg interest
6.90%
Franchises funded
855
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 84 | $9.6M | 3.6% (low risk) |
| Dairy Queen | 42 | $13.3M | 7.1% (moderate risk) |
| Quiznos | 39 | $5.4M | 15.4% (high risk) |
| The UPS Store (f/k/a Mail Box | 39 | $15.1M | 0.0% (low risk) |
| Allstate Insurance | 23 | $10.7M | 0.0% (low risk) |
| Baskin-Robbins 31 Ice Cream | 22 | $2.9M | 22.7% (very high risk) |
| Mail Boxes Etc. Usa | 20 | $1.8M | 15.0% (high risk) |
| Days Inn | 20 | $20.8M | 5.0% (moderate risk) |
| Mr. Goodcents Sub' And Pasta | 18 | $1.9M | 11.1% (elevated risk) |
| Ramada Inn | 16 | $13.8M | 31.2% (very high risk) |
| Super 8 Motel | 16 | $14.7M | 13.3% (elevated risk) |
| Cold Stone Creamery, Inc. | 15 | $2.5M | 13.3% (elevated risk) |
| The UPS Store | 15 | $2.1M | 7.7% (moderate risk) |
| Anytime Fitness | 15 | $4.2M | 7.1% (moderate risk) |
| Blimpie | 12 | $1.1M | 16.7% (high risk) |
| Papa Murphy's Take & Bake Pizz | 12 | $1.3M | 0.0% (low risk) |
| Planet Fitness | 12 | $15.0M | 0.0% (low risk) |
| Ace Hardware | 11 | $3.9M | 9.1% (moderate risk) |
| MAACO Auto Painting Center | 11 | $5.2M | 9.1% (moderate risk) |
| Domino's Pizza | 11 | $1.2M | 9.1% (moderate risk) |
Lending volume by year
65'92
54
66
115
87
81'97
57
94
71
40
43'02
61
66
89
64
46'07
41
32
17
17
47'12
77
89
79
64
62'17
48
86
37
40
38'22
48
61
67
15'26
U.S. Bank, National Association charge-off rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Geographic exposure
49312.2% (elevated risk)
17513.4% (elevated risk)
1425.2% (moderate risk)
12117.9% (high risk)
11420.9% (very high risk)
11219.2% (high risk)
9310.0% (elevated risk)
9023.5% (very high risk)
8314.3% (elevated risk)
7825.0% (very high risk)
Portfolio summary
Total funded$731.5M
Defaults252 of 2,064
Risk tierAVERAGE
Avg rate6.90%
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 U.S. Bank, National Association originated?
- 2,064 loans totaling $731.5M. The portfolio carries a 14.5% 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 U.S. Bank, National Association fund the most?
- The “Top franchise exposures” table above lists the brands U.S. 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.