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SBA 7(a) franchise lending portfolio
Dream First Bank National Association
EXCELLENT risk
- Total loans
- 14
- Loan volume
- $13.9M
- Avg loan size
- $995K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.18%
Franchises funded
6
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Scooter's Coffee | 8 | $6.5M | 0.0% |
| Napa AutoCare Program Membersh | 2 | $850K | — |
| Daylight Donut Shop | 1 | $40K | 0.0% |
| Chrysler - Sales and Service A | 1 | $4.2M | — |
| Dunkin' Donuts | 1 | $2.4M | 0.0% |
| H&R Block - Franchise License | 1 | $22K | 0.0% |
Lending volume by year
1'06
1'19
2'20
2'21
6'22
1'23
1'25
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%).