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SBA 7(a) franchise lending portfolio
Climate First Bank
UNKNOWN risk
- Total loans
- 49
- Loan volume
- $45.9M
- Avg loan size
- $937K
- Default rate
- —
- vs 15.4% national avg
Defaults
0
Avg interest
9.98%
Franchises funded
32
Risk rating
UNKNOWN
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Degree Wellness | 4 | $2.5M | — |
| Spark by Hilton | 4 | $7.1M | — |
| Golf Envy | 4 | $2.4M | — |
| Grass!365 | 2 | $717K | — |
| Launch Trampoline Park | 2 | $9.7M | — |
| HealthSource Chiropractic | 2 | $931K | — |
| Soccer 5 | 2 | $2.1M | — |
| 4Ever Young | 2 | $2.0M | — |
| D1T raining | 2 | $1.4M | — |
| Gameday Men's Health/Gameday | 2 | $868K | — |
| Teriyaki Madness | 2 | $1.3M | — |
| 30 Minute Hit | 1 | $317K | — |
| P.S. Taco Company | 1 | $428K | — |
| Bodybar Pilates | 1 | $500K | — |
| Crust Pizza Co. | 1 | $900K | — |
| Big Air ; Big Air Trampoline P | 1 | $2.3M | — |
| Happy Cat Hotel & Spa | 1 | $500K | — |
| Voda Cleaning & Restoration | 1 | $378K | — |
| The Melting Pot | 1 | $1.5M | — |
| Ziggi's Coffee | 1 | $1.6M | — |
Lending volume by year
4'24
29'25
16'26
Geographic exposure
Portfolio summary
Total funded$45.9M
Defaults0 of 49
Risk tierUNKNOWN
Avg rate9.98%
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%).