GA
SBA 7(a) franchise lending portfolio
Grow America Fund, Incorporated
EXCELLENT risk
- Total loans
- 12
- Loan volume
- $2.4M
- Avg loan size
- $201K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.86%
Franchises funded
12
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Meineke Car Care | 1 | $100K | 0.0% (low risk) |
| Curves For Women | 1 | $118K | 0.0% (low risk) |
| Dairy Queen Grill & Chill/Texa | 1 | $200K | 0.0% (low risk) |
| Kona Ice | 1 | $137K | N/A |
| Kona Ice | 1 | $105K | 0.0% (low risk) |
| F45 Training | 1 | $200K | 0.0% (low risk) |
| 2nd Family | 1 | $141K | N/A |
| Hot Head Burritos | 1 | $500K | N/A |
| FYZICAL | 1 | $250K | N/A |
| Tropical Smoothie Cafe | 1 | $270K | 0.0% (low risk) |
| Golden Krust Caribbean Bakery | 1 | $125K | N/A |
| Signarama | 1 | $263K | N/A |
Lending volume by year
1'99
1'08
1'15
1'18
1'19
2'20
1'21
1'22
2'24
1'25
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 Grow America Fund, Incorporated originated?
- 12 loans totaling $2.4M. 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 Grow America Fund, Incorporated fund the most?
- The “Top franchise exposures” table above lists the brands Grow America Fund, Incorporated has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.