CF
SBA 7(a) franchise lending portfolio
Choice Financial Group
EXCELLENT risk
- Total loans
- 101
- Loan volume
- $44.1M
- Avg loan size
- $437K
- Charge-off 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% (low risk) |
| Burn Boot Camp Fitness | 5 | $960K | N/A |
| Fastsigns | 4 | $290K | 0.0% (low risk) |
| Servpro | 4 | $1.0M | 0.0% (low risk) |
| Planet Beach | 3 | $230K | 0.0% (low risk) |
| Subway Sandwich Shop | 3 | $328K | 0.0% (low risk) |
| Sky Zone Indoor Trampoline Par | 3 | $4.2M | 0.0% (low risk) |
| Jamba | 3 | $1.8M | 0.0% (low risk) |
| Trading Academy | 3 | $4.1M | 0.0% (low risk) |
| Jimmy John's | 3 | $4.6M | 0.0% (low risk) |
| Paul Davis Restoration | 3 | $3.4M | N/A |
| Glamour Shots | 2 | $200K | 100.0% (very high risk) |
| Play It Again Sports (retail S | 2 | $135K | 0.0% (low risk) |
| The Blind Man | 2 | $122K | 0.0% (low risk) |
| Money Mailer | 2 | $373K | 0.0% (low risk) |
| Papa Murphy's Take 'N' Bake Pi | 2 | $355K | N/A |
| Cartridge World | 2 | $149K | 0.0% (low risk) |
| Deka Lash | 2 | $586K | 0.0% (low risk) |
| Allegra | 2 | $75K | N/A |
| Amazing Lash Studio | 2 | $757K | N/A |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
670.0% (low risk)
3012.0% (elevated risk)
10.0% (low risk)
10.0% (low risk)
10.0% (low risk)
10.0% (low risk)
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
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). 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 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.