CF
SBA 7(a) franchise lending portfolio
Choice Financial Group
Risk rating: Excellent
- Total loans
- 101
- Loan volume
- $44.1M
- Avg loan size
- $437K
- Charge-off rate
- 4.3%
- vs 16.0% national
Charged off
3
Avg interest
6.88%
Franchises funded
61
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Orange Theory Fitness | 6 | $3.2M | N/A |
| Burn Boot Camp Fitness | 5 | $960K | N/A |
| Fastsigns | 4 | $290K | N/A |
| Servpro | 4 | $1.0M | N/A |
| Planet Beach | 3 | $230K | N/A |
| Subway Sandwich Shop | 3 | $328K | N/A |
| Sky Zone Indoor Trampoline Par | 3 | $4.2M | N/A |
| Jamba | 3 | $1.8M | N/A |
| Trading Academy | 3 | $4.1M | N/A |
| Jimmy John's | 3 | $4.6M | N/A |
| Paul Davis Restoration | 3 | $3.4M | N/A |
| Glamour Shots | 2 | $200K | N/A |
| Play It Again Sports (retail S | 2 | $135K | N/A |
| The Blind Man | 2 | $122K | N/A |
| Money Mailer | 2 | $373K | N/A |
| Papa Murphy's Take 'N' Bake Pi | 2 | $355K | N/A |
| Cartridge World | 2 | $149K | N/A |
| Deka Lash | 2 | $586K | N/A |
| Allegra | 2 | $75K | N/A |
| Amazing Lash Studio | 2 | $757K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1995 | 3 |
| FY2000 | 1 |
| FY2002 | 2 |
| FY2003 | 1 |
| FY2004 | 7 |
| FY2005 | 1 |
| FY2006 | 1 |
| FY2007 | 1 |
| FY2008 | 1 |
| FY2009 | 2 |
| FY2010 | 3 |
| FY2011 | 2 |
| FY2013 | 3 |
| FY2014 | 4 |
| FY2015 | 4 |
| FY2016 | 9 |
| FY2017 | 8 |
| FY2018 | 8 |
| FY2019 | 8 |
| FY2020 | 2 |
| FY2021 | 3 |
| FY2022 | 7 |
| FY2023 | 9 |
| FY2024 | 3 |
| FY2025 | 7 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
Choice Financial Group charge-off rate by loan vintage
None of these 10 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1995 | 3 | 3 | Too few |
| 2004 | 7 | 0 | Too few |
| 2010 | 3 | 0 | Too few |
| 2013 | 3 | 0 | Too few |
| 2014 | 4 | 0 | Too few |
| 2015 | 4 | 0 | Too few |
| 2016 | 7 | 0 | Too few |
| 2017 | 6 | 0 | Too few |
| 2018 | 8 | 0 | Too few |
| 2019 | 7 | 0 | Too few |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
670.0% (excellent)
3012.0% (average)
1N/A
1N/A
1N/A
1N/A
Portfolio summary
Total funded$44.1M
Charged off3 of 101
Risk tierExcellent
Avg rate6.88%
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 Choice Financial Group originated?
- 101 loans totaling $44.1M. The portfolio carries a 4.3% 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Choice Financial Group's rate of 4.3% is below the national rate.
- 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 Choice Financial Group fund the most?
- The “Top franchise exposures” table above lists the brands Choice Financial Group has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.