4C
SBA 7(a) franchise lending portfolio
4Front Credit Union
EXCELLENT risk
- Total loans
- 14
- Loan volume
- $3.6M
- Avg loan size
- $255K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.19%
Franchises funded
11
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Biggby Coffee | 2 | $161K | 0.0% (low risk) |
| Sears Appliance & Hardware Sto | 2 | $120K | 0.0% (low risk) |
| Jet's Pizza | 2 | $630K | 0.0% (low risk) |
| Curves For Women | 1 | $95K | 0.0% (low risk) |
| Peddler Steak House & Lounge | 1 | $284K | 0.0% (low risk) |
| Hungry Howie's | 1 | $264K | 0.0% (low risk) |
| Thrifty Rent-A-Car | 1 | $100K | 0.0% (low risk) |
| Rent-A-Wreck (car Rental) | 1 | $75K | 0.0% (low risk) |
| Century 21 | 1 | $205K | 0.0% (low risk) |
| Guido's Premium Pizza | 1 | $495K | N/A |
| Launch Trampoline Park | 1 | $1.1M | N/A |
Lending volume by year
1'03
1'04
1'07
2'09
2'13
3'16
2'20
1'21
1'25
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 4Front Credit Union originated?
- 14 loans totaling $3.6M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 4Front Credit Union fund the most?
- The “Top franchise exposures” table above lists the brands 4Front Credit Union has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.