GC
SBA 7(a) franchise lending portfolio
Gesa CU
AVERAGE risk
- Total loans
- 12
- Loan volume
- $7.4M
- Avg loan size
- $615K
- Charge-off 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% (low risk) |
| S.A.S. Petroleum, Inc. (Marath | 2 | $2.4M | N/A |
| Koa Kampgrounds(kampgrounds Of | 1 | $90K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $158K | 0.0% (low risk) |
| Ace Hardware | 1 | $259K | 100.0% (very high risk) |
| Arby's | 1 | $850K | 0.0% (low risk) |
| Paul Davis Restoration | 1 | $50K | 0.0% (low risk) |
| Transworld Business Advisors | 1 | $50K | N/A |
| PacWest Energy (Shell) Retail | 1 | $2.9M | N/A |
| Once Upon A Child | 1 | $377K | N/A |
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% (elevated risk)
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
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 Gesa CU originated?
- 12 loans totaling $7.4M. The portfolio carries a 14.3% charge-off rate, earning a “AVERAGE” 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 Gesa CU fund the most?
- The “Top franchise exposures” table above lists the brands Gesa 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.