BC
SBA 7(a) franchise lending portfolio
B:Side Capital
EXCELLENT risk
- Total loans
- 10
- Loan volume
- $1.7M
- Avg loan size
- $166K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
9.46%
Franchises funded
10
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Gametruck | 1 | $75K | 0.0% (low risk) |
| Club Pilates | 1 | $136K | 0.0% (low risk) |
| The UPS Store (f/k/a Mail Box | 1 | $210K | N/A |
| Wine & design | 1 | $146K | 0.0% (low risk) |
| Glacier Ice Cream and Homemade | 1 | $250K | N/A |
| Z Pizza | 1 | $125K | N/A |
| Pure Barre | 1 | $234K | 0.0% (low risk) |
| CMIT Solutions | 1 | $150K | N/A |
| Moe's Original BBQ | 1 | $180K | N/A |
| Restoration 1 | 1 | $150K | 0.0% (low risk) |
Lending volume by year
1'15
2'16
1'18
3'19
2'20
1'25
Geographic exposure
100.0% (low risk)
Portfolio summary
Total funded$1.7M
Defaults0 of 10
Risk tierEXCELLENT
Avg rate9.46%
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 B:Side Capital originated?
- 10 loans totaling $1.7M. 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 B:Side Capital fund the most?
- The “Top franchise exposures” table above lists the brands B:Side Capital has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.