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SBA 7(a) franchise lending portfolio
iTHINK Financial CU
EXCELLENT risk
- Total loans
- 30
- Loan volume
- $19.9M
- Avg loan size
- $665K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
7.74%
Franchises funded
26
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Fedex Ground | 2 | $705K | 0.0% |
| Five Guys | 2 | $461K | 0.0% |
| Dunkin Donuts/Baskin-Robbins C | 2 | $1.6M | 0.0% |
| Denny's | 2 | $1.7M | 0.0% |
| Freedom Boat Club | 1 | $650K | 0.0% |
| Quality Inn/Quality Suites, Ho | 1 | $2.2M | 0.0% |
| Smallcakes | 1 | $100K | — |
| Sleep Inn by Choice Hotels/Sle | 1 | $4.1M | — |
| RE/MAX Carolinas Region/Florid | 1 | $576K | 0.0% |
| Whit's Frozen Custard | 1 | $81K | 0.0% |
| Line-X | 1 | $547K | — |
| Rapid Recovery | 1 | $82K | 0.0% |
| Dunkin Donuts | 1 | $1.3M | 0.0% |
| Anytime Fitness | 1 | $183K | 0.0% |
| Stretch Zone | 1 | $170K | 0.0% |
| Bumble Bee Blinds | 1 | $220K | — |
| Dripbar | 1 | $310K | 0.0% |
| French Florist | 1 | $210K | — |
| Dunkin' Donuts | 1 | $600K | 0.0% |
| PostNet | 1 | $250K | — |
Lending volume by year
1'11
2'12
1'15
3'16
5'17
5'18
2'20
1'22
4'23
4'24
2'25
iTHINK Financial CU default rate by loan vintage
BrandNational avg
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%).