CF
SBA 7(a) franchise lending portfolio
Climate First Bank
UNKNOWN risk
- Total loans
- 49
- Loan volume
- $45.9M
- Avg loan size
- $937K
- Charge-off rate
- N/A
- 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 | N/A |
| Spark by Hilton | 4 | $7.1M | N/A |
| Golf Envy | 4 | $2.4M | N/A |
| Grass!365 | 2 | $717K | N/A |
| Launch Trampoline Park | 2 | $9.7M | N/A |
| HealthSource Chiropractic | 2 | $931K | N/A |
| Soccer 5 | 2 | $2.1M | N/A |
| 4Ever Young | 2 | $2.0M | N/A |
| D1T raining | 2 | $1.4M | N/A |
| Gameday Men's Health/Gameday | 2 | $868K | N/A |
| Teriyaki Madness | 2 | $1.3M | N/A |
| 30 Minute Hit | 1 | $317K | N/A |
| P.S. Taco Company | 1 | $428K | N/A |
| Bodybar Pilates | 1 | $500K | N/A |
| Crust Pizza Co. | 1 | $900K | N/A |
| Big Air ; Big Air Trampoline P | 1 | $2.3M | N/A |
| Happy Cat Hotel & Spa | 1 | $500K | N/A |
| Voda Cleaning & Restoration | 1 | $378K | N/A |
| The Melting Pot | 1 | $1.5M | N/A |
| Ziggi's Coffee | 1 | $1.6M | N/A |
Lending volume by year
4'24
29'25
16'26
Geographic exposure
10N/A
7N/A
4N/A
3N/A
3N/A
2N/A
2N/A
2N/A
2N/A
1N/A
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
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 Climate First Bank originated?
- 49 loans totaling $45.9M.
- 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 Climate First Bank fund the most?
- The “Top franchise exposures” table above lists the brands Climate First Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.