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SBA 7(a) franchise lending portfolio
American Bank of Freedom
EXCELLENT risk
- Total loans
- 32
- Loan volume
- $18.0M
- Avg loan size
- $562K
- Default 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% |
| Dogtopia | 2 | $1.5M | 0.0% |
| Bio-One | 2 | $228K | 0.0% |
| Once Upon A Child | 2 | $1.9M | 0.0% |
| Citgo Service Station | 1 | $370K | 0.0% |
| The Maids | 1 | $162K | 0.0% |
| The Medicine Shoppe | 1 | $428K | 0.0% |
| Smoothie Factory | 1 | $414K | 0.0% |
| Krav Maga Worldwide Inc. - Lic | 1 | $1.1M | 0.0% |
| The Donut Experiment | 1 | $274K | 0.0% |
| Snap Fitness | 1 | $150K | 0.0% |
| Dizziland Inc. - License Agree | 1 | $929K | 0.0% |
| Mellow Mushroom | 1 | $3.3M | 0.0% |
| Cecil Whittaker's Pizzeria - L | 1 | $296K | — |
| F45 Training | 1 | $290K | 0.0% |
| MaidPro | 1 | $336K | 0.0% |
| Bin There...Dump That | 1 | $300K | 0.0% |
| Massage Envy | 1 | $363K | — |
| OsteoStrong | 1 | $268K | 0.0% |
| Corporate Cleaning Group | 1 | $445K | 0.0% |
Lending volume by year
1'97
1'16
5'18
8'19
5'20
9'21
1'23
2'25
American Bank of Freedom default rate by loan vintage
BrandNational avg
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%).