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SBA 7(a) franchise lending portfolio
Growth Capital Corp.
AVERAGE risk
- Total loans
- 11
- Loan volume
- $2.0M
- Avg loan size
- $178K
- Default 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% |
| Great Clips | 2 | $200K | 0.0% |
| Fedex Ground | 1 | $165K | 0.0% |
| Domino's Pizza | 1 | $105K | 0.0% |
| Filta Environmental Kitchen So | 1 | $250K | 0.0% |
| My Personal One-on-One Trainer | 1 | $90K | 100.0% |
| Woof Gang Bakery and Grooming | 1 | $350K | — |
| Fit Body Boot Camp | 1 | $100K | — |
| Little Caesars | 1 | $350K | — |
Lending volume by year
3'14
2'15
1'18
2'22
1'23
1'25
1'26
Geographic exposure
1112.5%
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
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%).