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SBA 7(a) franchise lending portfolio
Gesa CU
AVERAGE risk
- Total loans
- 12
- Loan volume
- $7.4M
- Avg loan size
- $615K
- Default rate
- 14.3%
- vs 15.4% national avg
Defaults
1
Avg interest
7.93%
Franchises funded
10
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Figaro's Italian Pizza | 2 | $254K | 0.0% |
| S.A.S. Petroleum, Inc. (Marath | 2 | $2.4M | — |
| Koa Kampgrounds(kampgrounds Of | 1 | $90K | 0.0% |
| Subway Sandwich Shop | 1 | $158K | 0.0% |
| Ace Hardware | 1 | $259K | 100.0% |
| Arby's | 1 | $850K | 0.0% |
| Paul Davis Restoration | 1 | $50K | 0.0% |
| Transworld Business Advisors | 1 | $50K | — |
| PacWest Energy (Shell) Retail | 1 | $2.9M | — |
| Once Upon A Child | 1 | $377K | — |
Lending volume by year
1'92
1'05
1'09
2'10
1'11
1'14
1'23
1'24
2'25
1'26
Geographic exposure
1214.3%
Portfolio summary
Total funded$7.4M
Defaults1 of 12
Risk tierAVERAGE
Avg rate7.93%
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%).