AB
SBA 7(a) franchise lending portfolio
American Bank of Freedom
EXCELLENT risk
- Total loans
- 32
- Loan volume
- $18.0M
- Avg loan size
- $562K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.85%
Franchises funded
27
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Koala Insulation | 3 | $1.0M | 0.0% (low risk) |
| Dogtopia | 2 | $1.5M | 0.0% (low risk) |
| Bio-One | 2 | $228K | 0.0% (low risk) |
| Once Upon A Child | 2 | $1.9M | 0.0% (low risk) |
| Citgo Service Station | 1 | $370K | 0.0% (low risk) |
| The Maids | 1 | $162K | 0.0% (low risk) |
| The Medicine Shoppe | 1 | $428K | 0.0% (low risk) |
| Smoothie Factory | 1 | $414K | 0.0% (low risk) |
| Krav Maga Worldwide Inc. - Lic | 1 | $1.1M | 0.0% (low risk) |
| The Donut Experiment | 1 | $274K | 0.0% (low risk) |
| Snap Fitness | 1 | $150K | 0.0% (low risk) |
| Dizziland Inc. - License Agree | 1 | $929K | 0.0% (low risk) |
| Mellow Mushroom | 1 | $3.3M | 0.0% (low risk) |
| Cecil Whittaker's Pizzeria - L | 1 | $296K | N/A |
| F45 Training | 1 | $290K | 0.0% (low risk) |
| MaidPro | 1 | $336K | 0.0% (low risk) |
| Bin There...Dump That | 1 | $300K | 0.0% (low risk) |
| Massage Envy | 1 | $363K | N/A |
| OsteoStrong | 1 | $268K | 0.0% (low risk) |
| Corporate Cleaning Group | 1 | $445K | 0.0% (low risk) |
Lending volume by year
1'97
1'16
5'18
8'19
5'20
9'21
1'23
2'25
American Bank of Freedom charge-off rate by loan vintage
BrandNational avg
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 American Bank of Freedom originated?
- 32 loans totaling $18.0M. 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 American Bank of Freedom fund the most?
- The “Top franchise exposures” table above lists the brands American Bank of Freedom has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.