UM
SBA 7(a) franchise lending portfolio
US Metro Bank
GOOD risk
- Total loans
- 283
- Loan volume
- $678.3M
- Avg loan size
- $2.4M
- Charge-off rate
- 6.5%
- vs 15.4% national avg
Defaults
7
Avg interest
6.65%
Franchises funded
128
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quality Inn by Choice Hotels / | 13 | $45.1M | 0.0% (low risk) |
| Motel 6 | 12 | $40.2M | 0.0% (low risk) |
| Best Western - Membership Agre | 11 | $39.9M | 0.0% (low risk) |
| Super 8 by Wyndhan | 10 | $23.9M | 0.0% (low risk) |
| La Quinta by Wyndham a.k.a. La | 9 | $36.7M | 0.0% (low risk) |
| El Pollo Loco | 7 | $3.0M | 0.0% (low risk) |
| Paris Baguette | 6 | $3.2M | 0.0% (low risk) |
| Days Inn by Wyndham | 6 | $22.4M | N/A |
| Holiday Inn Express/Holiday In | 6 | $28.6M | 0.0% (low risk) |
| Comfort Suites by Choice Hotel | 6 | $20.1M | 0.0% (low risk) |
| Econo Lodge by Choice Hotels/E | 6 | $10.2M | N/A |
| Ampm Mini Market- Arco | 5 | $5.7M | 0.0% (low risk) |
| Comfort Inn by Choice Hotels/C | 5 | $18.4M | 0.0% (low risk) |
| Denny's | 4 | $2.2M | 0.0% (low risk) |
| Rodeway Inn by Choice Hotels/R | 4 | $7.6M | 0.0% (low risk) |
| Sunoco, LLC (Various Brands) F | 4 | $7.3M | 0.0% (low risk) |
| SureStay | 4 | $12.7M | N/A |
| Circle K | 3 | $4.0M | 50.0% (very high risk) |
| Baskin-Robbins | 3 | $725K | 66.7% (very high risk) |
| Hawthorn Suites by Wyndham | 3 | $12.0M | 0.0% (low risk) |
Lending volume by year
4'07
2'08
3'09
1'10
1'11
4'14
11'15
17'16
25'17
15'18
20'19
18'20
39'21
26'22
21'23
7'24
43'25
26'26
US Metro Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
12211.1% (elevated risk)
790.0% (low risk)
150.0% (low risk)
90.0% (low risk)
6N/A
5N/A
40.0% (low risk)
4N/A
3N/A
30.0% (low risk)
Portfolio summary
Total funded$678.3M
Defaults7 of 283
Risk tierGOOD
Avg rate6.65%
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 US Metro Bank originated?
- 283 loans totaling $678.3M. The portfolio carries a 6.5% charge-off rate, earning a “GOOD” 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 US Metro Bank fund the most?
- The “Top franchise exposures” table above lists the brands US Metro 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.