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SBA 7(a) franchise lending portfolio
Village Bank and Trust, National Association
GOOD risk
- Total loans
- 124
- Loan volume
- $53.0M
- Avg loan size
- $428K
- Default rate
- 9.4%
- vs 15.4% national avg
Defaults
6
Avg interest
6.41%
Franchises funded
68
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway | 6 | $1.3M | 33.3% |
| Jimmy John's | 6 | $2.5M | 40.0% |
| Ben & Jerry's | 5 | $1.4M | — |
| Burger King | 5 | $3.7M | — |
| Jimmy John's | 4 | $2.3M | 0.0% |
| SportClips | 4 | $2.5M | 0.0% |
| Jersey Mike's | 3 | $950K | 0.0% |
| Yesco | 3 | $330K | 0.0% |
| Subway | 3 | $931K | — |
| Tropical Smoothie Cafe | 3 | $760K | 0.0% |
| The UPS Store (f/k/a Mail Box | 3 | $1.2M | 0.0% |
| College Hunks Hauling Junk | 3 | $965K | — |
| Sport Clips | 2 | $610K | 0.0% |
| Jersey Mike's (deli Restaurant | 2 | $481K | 0.0% |
| Wingstop | 2 | $507K | 0.0% |
| Tuffy Auto Service Center | 2 | $761K | 0.0% |
| Papa John's | 2 | $354K | 0.0% |
| D-Bat | 2 | $525K | — |
| Restore Hyper Wellness | 2 | $858K | — |
| Domino's | 2 | $834K | — |
Lending volume by year
1'98
3'12
10'13
8'14
13'15
2'16
9'17
6'18
7'19
8'20
15'21
4'22
9'23
7'24
17'25
5'26
Village Bank and Trust, National Association default rate by loan vintage
BrandNational avg
Geographic exposure
975.9%
100.0%
7100.0%
10.0%
1—
10.0%
10.0%
Portfolio summary
Total funded$53.0M
Defaults6 of 124
Risk tierGOOD
Avg rate6.41%
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%).