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SBA 7(a) franchise lending portfolio
DreamSpring
AVERAGE risk
- Total loans
- 11
- Loan volume
- $1.7M
- Avg loan size
- $154K
- Default rate
- 14.3%
- vs 15.4% national avg
Defaults
1
Avg interest
10.43%
Franchises funded
11
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Painting With A Twist | 1 | $117K | 0.0% |
| U.s. Lawns | 1 | $68K | — |
| Top Ten Percent | 1 | $42K | 100.0% |
| Subway | 1 | $65K | 0.0% |
| Naturals2Go | 1 | $78K | 0.0% |
| Woof Gang Bakery and Grooming | 1 | $83K | 0.0% |
| Juice Zone | 1 | $103K | 0.0% |
| Crave Cookies | 1 | $300K | — |
| We Rock The Spectrum Kid's Gym | 1 | $350K | — |
| Tropical Smoothie Cafe | 1 | $150K | 0.0% |
| Eight Turn Crepe | 1 | $335K | — |
Lending volume by year
1'15
1'16
2'17
2'18
1'19
1'20
1'23
2'24
Geographic exposure
Portfolio summary
Total funded$1.7M
Defaults1 of 11
Risk tierAVERAGE
Avg rate10.43%
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%).