GC
SBA 7(a) franchise lending portfolio
Genisys CU
EXCELLENT risk
- Total loans
- 14
- Loan volume
- $17.8M
- Avg loan size
- $1.3M
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.73%
Franchises funded
12
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Martinizing Dry Cleaning | 2 | $527K | 0.0% (low risk) |
| IHOP | 2 | $4.9M | 0.0% (low risk) |
| Anytime Fitness | 1 | $149K | 0.0% (low risk) |
| Painting With A Twist | 1 | $60K | 0.0% (low risk) |
| Marathon Oil Company | 1 | $1.5M | 0.0% (low risk) |
| Culver's | 1 | $314K | 0.0% (low risk) |
| F45 Training | 1 | $375K | 0.0% (low risk) |
| PetCo Master Veterinary Care A | 1 | $2.5M | N/A |
| Mathnasium Learning Centers | 1 | $100K | N/A |
| High Pointe Oil Company, Inc ( | 1 | $1.5M | N/A |
| Golden Corral | 1 | $5.0M | N/A |
| USA Insulation | 1 | $878K | 0.0% (low risk) |
Lending volume by year
2'14
1'15
1'16
3'19
3'21
2'22
2'23
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 Genisys CU originated?
- 14 loans totaling $17.8M. 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 Genisys CU fund the most?
- The “Top franchise exposures” table above lists the brands Genisys CU has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.