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SBA 7(a) franchise lending portfolio
Choice Financial Group
EXCELLENT risk
- Total loans
- 101
- Loan volume
- $44.1M
- Avg loan size
- $437K
- Default rate
- 4.3%
- vs 15.4% national avg
Defaults
3
Avg interest
6.88%
Franchises funded
61
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Orange Theory Fitness | 6 | $3.2M | 0.0% |
| Burn Boot Camp Fitness | 5 | $960K | — |
| Fastsigns | 4 | $290K | 0.0% |
| Servpro | 4 | $1.0M | 0.0% |
| Planet Beach | 3 | $230K | 0.0% |
| Subway Sandwich Shop | 3 | $328K | 0.0% |
| Sky Zone Indoor Trampoline Par | 3 | $4.2M | 0.0% |
| Jamba | 3 | $1.8M | 0.0% |
| Trading Academy | 3 | $4.1M | 0.0% |
| Jimmy John's | 3 | $4.6M | 0.0% |
| Paul Davis Restoration | 3 | $3.4M | — |
| Glamour Shots | 2 | $200K | 100.0% |
| Play It Again Sports (retail S | 2 | $135K | 0.0% |
| The Blind Man | 2 | $122K | 0.0% |
| Money Mailer | 2 | $373K | 0.0% |
| Papa Murphy's Take 'N' Bake Pi | 2 | $355K | — |
| Cartridge World | 2 | $149K | 0.0% |
| Deka Lash | 2 | $586K | 0.0% |
| Allegra | 2 | $75K | — |
| Amazing Lash Studio | 2 | $757K | — |
Lending volume by year
3'95
1
2
1
7
1'05
1
1
1
2
3'10
2
3
4
4
9'16
8
8
8
2
3'21
7
9
3
7
1'26
Choice Financial Group default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$44.1M
Defaults3 of 101
Risk tierEXCELLENT
Avg rate6.88%
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%).