IB
SBA 504 certified development company
Intermountain Business Lending, Inc.
- Total loans
- 117
- Loan volume
- $94.0M
- Avg loan size
- $804K
- Charge-off rate
- 4.0%
- vs 13.3% national avg
Defaults
3
Franchises funded
79
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Big O Tires | 7 | $2.0M | 0.0% (low risk) |
| Best Western Inn | 5 | $9.8M | 0.0% (low risk) |
| Big O Tires | 4 | $3.9M | 0.0% (low risk) |
| Winger's | 3 | $1.2M | 33.3% (very high risk) |
| Subway Sandwich Shop | 3 | $470K | 0.0% (low risk) |
| Choice Hotels International In | 3 | $3.4M | 0.0% (low risk) |
| Days Inn | 3 | $1.9M | 0.0% (low risk) |
| Great Harvest Bread Co. | 3 | $1.6M | 0.0% (low risk) |
| Bee Hive Homes Of America | 3 | $1.2M | 0.0% (low risk) |
| Comfort/ Comfort Inn & Suites/ | 3 | $1.9M | 0.0% (low risk) |
| Temporary Franchises | 3 | $630K | 0.0% (low risk) |
| La Quinta Inn | 2 | $1.8M | 0.0% (low risk) |
| Taco Time | 2 | $529K | 0.0% (low risk) |
| Phillips 66 | 2 | $792K | 50.0% (very high risk) |
| Hampton Inns | 2 | $4.1M | 0.0% (low risk) |
| Holiday Inn Express | 2 | $3.5M | 0.0% (low risk) |
| Century 21 | 2 | $561K | 50.0% (very high risk) |
| Ace Hardware | 2 | $1.3M | 0.0% (low risk) |
| Tunex | 2 | $801K | N/A |
| Koa Kampgrounds(kampgrounds Of | 2 | $611K | 0.0% (low risk) |
Lending volume by year
1'92
1
1
1
2
1'01
3
6
5
2
5'06
9
3
7
5
7'11
9
4
9
1
2'16
4
7
3
5
7'22
6
1'25
Geographic coverage
Utah
1173.9% (low risk)
Portfolio summary
Total funded$94.0M
Defaults3 of 117
Risk tierEXCELLENT
Source: SBA 504 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%).