![Everwise Credit Union logo](https://cdn.brandfetch.io/everwisecreditunion.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
Everwise Credit Union
EXCELLENT risk
- Total loans
- 41
- Loan volume
- $126.4M
- Avg loan size
- $3.1M
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
7.99%
Franchises funded
28
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Urban Air Adventure Park | 4 | $14.4M | — |
| Quality Inn/Quality Suites, Ho | 3 | $5.2M | 0.0% |
| Quality Inn by Choice Hotels / | 2 | $3.1M | 0.0% |
| Baymont Inn & Suites | 2 | $3.6M | 0.0% |
| Candlewood Suites | 2 | $10.0M | — |
| Days Inn by Wyndham | 2 | $6.0M | — |
| Best Western - Membership Agre | 2 | $7.1M | — |
| Culver's ButterBurgers & Froze | 2 | $95K | — |
| Hampton Inn | 2 | $8.9M | — |
| Fairfield by Marriott/Fairfiel | 2 | $10.0M | 0.0% |
| Comfort Inn by Choice Hotels/C | 1 | $3.0M | 0.0% |
| Comfort Suites by Choice Hotel | 1 | $5.0M | 0.0% |
| Holiday Inn | 1 | $4.8M | 0.0% |
| Red Roof Inn | 1 | $3.0M | — |
| Days Inn | 1 | $2.4M | — |
| La Quinta Inn | 1 | $3.1M | 0.0% |
| Dickey's Barbecue Pit | 1 | $600K | 0.0% |
| Grease Monkey | 1 | $5.0M | — |
| Subway | 1 | $1.5M | 0.0% |
| Stretch Lab | 1 | $130K | — |
Lending volume by year
2'16
6'17
4'18
3'21
4'22
6'23
6'24
10'25
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%).