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SBA 7(a) franchise lending portfolio
HAPO Community CU
EXCELLENT risk
- Total loans
- 15
- Loan volume
- $2.0M
- Avg loan size
- $131K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.56%
Franchises funded
11
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Domino's Pizza | 4 | $343K | 0.0% |
| Wicks 'n' Sticks | 2 | $306K | 0.0% |
| Post Net | 1 | $95K | 0.0% |
| UPS Store | 1 | $20K | 0.0% |
| Papa John's Pizza | 1 | $90K | 0.0% |
| Visiting Angels | 1 | $125K | 0.0% |
| IHOP | 1 | $144K | 0.0% |
| International House Of Pancake | 1 | $550K | 0.0% |
| Servicemaster | 1 | $110K | — |
| Dream Dinners | 1 | $75K | 0.0% |
| Bobby Rubino's Place For Ribs | 1 | $101K | 0.0% |
Lending volume by year
1'96
1'98
1'04
1'09
1'10
1'12
1'13
5'15
1'16
2'17
Geographic exposure
150.0%
Portfolio summary
Total funded$2.0M
Defaults0 of 15
Risk tierEXCELLENT
Avg rate5.56%
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%).