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SBA 7(a) franchise lending portfolio
Vista Bank
EXCELLENT risk
- Total loans
- 11
- Loan volume
- $2.6M
- Avg loan size
- $240K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.25%
Franchises funded
8
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Red Mango Frozen Yogurt | 3 | $485K | 0.0% |
| Hotworx | 2 | $469K | 0.0% |
| The Woodhouse Day Spa | 1 | $1.1M | 0.0% |
| Hotworx | 1 | $227K | 0.0% |
| Culligan Soft Water Service | 1 | $131K | 0.0% |
| Muscle Maker Grill | 1 | $108K | 0.0% |
| World Inspection Network | 1 | $50K | 0.0% |
| Better Homes and Gardens Real | 1 | $100K | — |
Lending volume by year
1'10
1'11
2'12
1'13
1'15
2'17
1'19
1'21
1'22
Geographic exposure
110.0%
Portfolio summary
Total funded$2.6M
Defaults0 of 11
Risk tierEXCELLENT
Avg rate6.25%
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%).