AC
SBA 7(a) franchise lending portfolio
Avadian CU
GOOD risk
- Total loans
- 15
- Loan volume
- $15.4M
- Avg loan size
- $1.0M
- Charge-off rate
- 6.7%
- vs 15.4% national avg
Defaults
1
Avg interest
6.58%
Franchises funded
14
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Complete Nutrition | 2 | $375K | 50.0% (very high risk) |
| Quality Inn | 1 | $1.7M | 0.0% (low risk) |
| Econo Lodge Motel | 1 | $1.1M | 0.0% (low risk) |
| Comfort Inn | 1 | $4.0M | 0.0% (low risk) |
| Mathnasium Learning Center | 1 | $97K | 0.0% (low risk) |
| Sweet CeCe's Frozen Yogurt | 1 | $375K | 0.0% (low risk) |
| Primrose School (daycare) | 1 | $1.1M | 0.0% (low risk) |
| Dunkin Donuts | 1 | $300K | 0.0% (low risk) |
| Days Inn | 1 | $1.2M | 0.0% (low risk) |
| Moe's Original Bar B Que | 1 | $110K | 0.0% (low risk) |
| Dunkin' Donuts | 1 | $381K | 0.0% (low risk) |
| International House Of Pancake | 1 | $1.1M | 0.0% (low risk) |
| Healthsource Chiropractic | 1 | $150K | 0.0% (low risk) |
| Comfort Suites | 1 | $3.4M | 0.0% (low risk) |
Lending volume by year
9'11
4'12
1'13
1'14
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 Avadian CU originated?
- 15 loans totaling $15.4M. The portfolio carries a 6.7% charge-off rate, earning a “GOOD” 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 Avadian CU fund the most?
- The “Top franchise exposures” table above lists the brands Avadian CU has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.