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SBA 7(a) franchise lending portfolio
First Foundation Bank
EXCELLENT risk
- Total loans
- 11
- Loan volume
- $6.6M
- Avg loan size
- $602K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.95%
Franchises funded
10
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The UPS Store (f/k/a Mail Box | 2 | $492K | 0.0% |
| Medicine Shoppe | 1 | $750K | 0.0% |
| Tiremax | 1 | $556K | 0.0% |
| Two Men And A Truck | 1 | $250K | 0.0% |
| Pak Mail (Retail Center) | 1 | $100K | 0.0% |
| Edible Arrangements | 1 | $205K | 0.0% |
| MAACO Auto Painting Center | 1 | $332K | 0.0% |
| Tyree Oil, Inc. (76/Phillips) | 1 | $2.6M | — |
| We Rock The Spectrum Kid's Gym | 1 | $256K | — |
| Property Management Inc. | 1 | $1.1M | — |
Lending volume by year
1'07
2'11
1'12
1'14
1'15
1'18
1'21
1'24
2'25
Geographic exposure
Portfolio summary
Total funded$6.6M
Defaults0 of 11
Risk tierEXCELLENT
Avg rate6.95%
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%).