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SBA 7(a) franchise lending portfolio
Arizona Capital Source
ELEVATED risk
- Total loans
- 25
- Loan volume
- $5.2M
- Avg loan size
- $207K
- Default rate
- 17.6%
- vs 15.4% national avg
Defaults
3
Avg interest
9.37%
Franchises funded
24
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Sourdough & Co / World of Sour | 2 | $400K | — |
| HouseMaster | 1 | $235K | 0.0% |
| Papa Murphy's | 1 | $250K | 0.0% |
| Kumon | 1 | $250K | 0.0% |
| Board & Brush Creative Studios | 1 | $77K | 0.0% |
| Mathnasium Learning Centers | 1 | $79K | 0.0% |
| Culver's ButterBurgers & Froze | 1 | $150K | 0.0% |
| Teriyaki Madness | 1 | $250K | 0.0% |
| Flip Flop Shops | 1 | $150K | 100.0% |
| Right At Home | 1 | $150K | 0.0% |
| Epic Wings/Epic Wings N Things | 1 | $250K | 0.0% |
| D.p. Dough | 1 | $150K | 0.0% |
| Dickey's Barbecue Pit | 1 | $250K | 0.0% |
| Firehouse Subs | 1 | $250K | 0.0% |
| Allstate Insurance | 1 | $224K | 0.0% |
| AmeriCare | 1 | $140K | 100.0% |
| Daylight Donut Shop | 1 | $189K | 0.0% |
| FunBox | 1 | $350K | — |
| Liquivida Lounge | 1 | $306K | — |
| Le Macaron French Pastries | 1 | $350K | — |
Lending volume by year
1'14
6'15
2'16
4'18
3'19
2'20
1'22
4'23
1'24
1'25
Arizona Capital Source default rate by loan vintage
BrandNational avg
Geographic exposure
2517.6%
Portfolio summary
Total funded$5.2M
Defaults3 of 25
Risk tierELEVATED
Avg rate9.37%
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%).