VB
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
- Charge-off 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% (very high risk) |
| Jimmy John's | 6 | $2.5M | 40.0% (very high risk) |
| Ben & Jerry's | 5 | $1.4M | N/A |
| Burger King | 5 | $3.7M | N/A |
| Jimmy John's | 4 | $2.3M | 0.0% (low risk) |
| SportClips | 4 | $2.5M | 0.0% (low risk) |
| Jersey Mike's | 3 | $950K | 0.0% (low risk) |
| Yesco | 3 | $330K | 0.0% (low risk) |
| Subway | 3 | $931K | N/A |
| Tropical Smoothie Cafe | 3 | $760K | 0.0% (low risk) |
| The UPS Store (f/k/a Mail Box | 3 | $1.2M | 0.0% (low risk) |
| College Hunks Hauling Junk | 3 | $965K | N/A |
| Sport Clips | 2 | $610K | 0.0% (low risk) |
| Jersey Mike's (deli Restaurant | 2 | $481K | 0.0% (low risk) |
| Wingstop | 2 | $507K | 0.0% (low risk) |
| Tuffy Auto Service Center | 2 | $761K | 0.0% (low risk) |
| Papa John's | 2 | $354K | 0.0% (low risk) |
| D-Bat | 2 | $525K | N/A |
| Restore Hyper Wellness | 2 | $858K | N/A |
| Domino's | 2 | $834K | N/A |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
975.9% (moderate risk)
100.0% (low risk)
7100.0% (very high risk)
3N/A
2N/A
10.0% (low risk)
1N/A
10.0% (low risk)
1N/A
10.0% (low risk)
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
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 Village Bank and Trust, National Association originated?
- 124 loans totaling $53.0M. The portfolio carries a 9.4% 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 Village Bank and Trust, National Association fund the most?
- The “Top franchise exposures” table above lists the brands Village Bank and Trust, 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.