![DFCU Financial logo](https://cdn.brandfetch.io/dfcufinancial.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
DFCU Financial
EXCELLENT risk
- Total loans
- 31
- Loan volume
- $31.8M
- Avg loan size
- $1.0M
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
8.31%
Franchises funded
24
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Jet's Pizza | 3 | $2.9M | — |
| Budget Blinds | 2 | $3.9M | 0.0% |
| Culver's ButterBurgers & Froze | 2 | $2.6M | — |
| Gameday Men's Health/Gameday | 2 | $641K | — |
| Buffalo Wild Wings | 2 | $999K | — |
| Home Instead/Home Instead Seni | 2 | $5.2M | — |
| Seronda Senior Services | 1 | $425K | — |
| Tommy's Express | 1 | $192K | 0.0% |
| Fastsigns | 1 | $240K | 0.0% |
| Red & White Grocery | 1 | $150K | 0.0% |
| Discovery Point | 1 | $4.0M | 0.0% |
| Ace Hardware | 1 | $556K | — |
| ProteinHouse | 1 | $881K | — |
| BarkSuds | 1 | $204K | — |
| D1T raining | 1 | $825K | — |
| Express Oil Change/Tire Engine | 1 | $3.7M | — |
| The Learning Experience | 1 | $457K | 0.0% |
| BNI Franchising | 1 | $1.1M | 0.0% |
| Pirtek | 1 | $471K | — |
| The Honey Baked Ham Co | 1 | $750K | 0.0% |
Lending volume by year
1'17
3'18
3'19
2'20
4'21
1'22
4'23
8'24
4'25
1'26
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%).