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SBA 7(a) franchise lending portfolio
Village Bank
GOOD risk
- Total loans
- 23
- Loan volume
- $7.6M
- Avg loan size
- $332K
- Default rate
- 7.7%
- vs 15.4% national avg
Defaults
1
Avg interest
6.81%
Franchises funded
17
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Chanticlear Pizza | 3 | $1.4M | 0.0% |
| Servpro | 3 | $823K | — |
| Automotive Technologies | 2 | $172K | 0.0% |
| Beef 'O' Brady's | 2 | $550K | — |
| Nick-N-Willy's Pizza | 1 | $200K | 0.0% |
| Fantastic Sam's | 1 | $150K | 0.0% |
| Pro Golf | 1 | $200K | 100.0% |
| D. Brian's Kitchen & Catering | 1 | $489K | — |
| Green Mill | 1 | $193K | 0.0% |
| Wireless Zone | 1 | $322K | 0.0% |
| Postnet | 1 | $218K | 0.0% |
| Chanticlear Pizza | 1 | $144K | 0.0% |
| Miracle Method Surface Refinis | 1 | $500K | 0.0% |
| Clothes Mentor | 1 | $392K | — |
| NaturaLawn of America | 1 | $1.3M | — |
| MGM Wine & Spirits | 1 | $447K | 0.0% |
| Aurelio's Is Pizza | 1 | $97K | 0.0% |
Lending volume by year
2'04
1'06
1'07
1'08
1'11
1'14
2'17
1'19
1'20
2'21
4'22
4'23
2'24
Geographic exposure
237.7%
Portfolio summary
Total funded$7.6M
Defaults1 of 23
Risk tierGOOD
Avg rate6.81%
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%).