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SBA 7(a) franchise lending portfolio
Avadian CU
GOOD risk
- Total loans
- 15
- Loan volume
- $15.4M
- Avg loan size
- $1.0M
- Default 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% |
| Quality Inn | 1 | $1.7M | 0.0% |
| Econo Lodge Motel | 1 | $1.1M | 0.0% |
| Comfort Inn | 1 | $4.0M | 0.0% |
| Mathnasium Learning Center | 1 | $97K | 0.0% |
| Sweet CeCe's Frozen Yogurt | 1 | $375K | 0.0% |
| Primrose School (daycare) | 1 | $1.1M | 0.0% |
| Dunkin Donuts | 1 | $300K | 0.0% |
| Days Inn | 1 | $1.2M | 0.0% |
| Moe's Original Bar B Que | 1 | $110K | 0.0% |
| Dunkin' Donuts | 1 | $381K | 0.0% |
| International House Of Pancake | 1 | $1.1M | 0.0% |
| Healthsource Chiropractic | 1 | $150K | 0.0% |
| Comfort Suites | 1 | $3.4M | 0.0% |
Lending volume by year
9'11
4'12
1'13
1'14
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%).