GC
SBA 7(a) franchise lending portfolio
Growth Capital Corp.
AVERAGE risk
- Total loans
- 11
- Loan volume
- $2.0M
- Avg loan size
- $178K
- Charge-off rate
- 12.5%
- vs 15.4% national avg
Defaults
1
Avg interest
9.43%
Franchises funded
9
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Express Employment Professiona | 2 | $350K | 0.0% (low risk) |
| Great Clips | 2 | $200K | 0.0% (low risk) |
| Fedex Ground | 1 | $165K | 0.0% (low risk) |
| Domino's Pizza | 1 | $105K | 0.0% (low risk) |
| Filta Environmental Kitchen So | 1 | $250K | 0.0% (low risk) |
| My Personal One-on-One Trainer | 1 | $90K | 100.0% (very high risk) |
| Woof Gang Bakery and Grooming | 1 | $350K | N/A |
| Fit Body Boot Camp | 1 | $100K | N/A |
| Little Caesars | 1 | $350K | N/A |
Lending volume by year
3'14
2'15
1'18
2'22
1'23
1'25
1'26
Geographic exposure
1112.5% (elevated risk)
Portfolio summary
Total funded$2.0M
Defaults1 of 11
Risk tierAVERAGE
Avg rate9.43%
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 Growth Capital Corp. originated?
- 11 loans totaling $2.0M. The portfolio carries a 12.5% 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 Growth Capital Corp. fund the most?
- The “Top franchise exposures” table above lists the brands Growth Capital Corp. has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.