DF
SBA 7(a) franchise lending portfolio
Dream First Bank National Association
EXCELLENT risk
- Total loans
- 14
- Loan volume
- $13.9M
- Avg loan size
- $995K
- Charge-off 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% (low risk) |
| Napa AutoCare Program Membersh | 2 | $850K | N/A |
| Daylight Donut Shop | 1 | $40K | 0.0% (low risk) |
| Chrysler - Sales and Service A | 1 | $4.2M | N/A |
| Dunkin' Donuts | 1 | $2.4M | 0.0% (low risk) |
| H&R Block - Franchise License | 1 | $22K | 0.0% (low risk) |
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
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 Dream First Bank National Association originated?
- 14 loans totaling $13.9M. The portfolio carries a 0.0% 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 Dream First Bank National Association fund the most?
- The “Top franchise exposures” table above lists the brands Dream First Bank National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.