FF
SBA 7(a) franchise lending portfolio
First Foundation Bank
EXCELLENT risk
- Total loans
- 11
- Loan volume
- $6.6M
- Avg loan size
- $602K
- Charge-off 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% (low risk) |
| Medicine Shoppe | 1 | $750K | 0.0% (low risk) |
| Tiremax | 1 | $556K | 0.0% (low risk) |
| Two Men And A Truck | 1 | $250K | 0.0% (low risk) |
| Pak Mail (Retail Center) | 1 | $100K | 0.0% (low risk) |
| Edible Arrangements | 1 | $205K | 0.0% (low risk) |
| MAACO Auto Painting Center | 1 | $332K | 0.0% (low risk) |
| Tyree Oil, Inc. (76/Phillips) | 1 | $2.6M | N/A |
| We Rock The Spectrum Kid's Gym | 1 | $256K | N/A |
| Property Management Inc. | 1 | $1.1M | N/A |
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
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 First Foundation Bank originated?
- 11 loans totaling $6.6M. 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 First Foundation Bank fund the most?
- The “Top franchise exposures” table above lists the brands First Foundation Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.