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SBA 7(a) franchise lending portfolio
KeyPoint CU
AVERAGE risk
- Total loans
- 23
- Loan volume
- $17.1M
- Avg loan size
- $742K
- Default rate
- 11.8%
- vs 15.4% national avg
Defaults
2
Avg interest
6.37%
Franchises funded
19
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Haagen-Dazs Ice Cream | 2 | $250K | 50.0% |
| Subway | 2 | $800K | 0.0% |
| Wingstop | 2 | $854K | — |
| Building Kidz School | 2 | $1.2M | 0.0% |
| Rocky Mountain Chocolate Facto | 1 | $268K | 100.0% |
| Kumon Math And Reading Center | 1 | $135K | 0.0% |
| Fatburger | 1 | $309K | 0.0% |
| Americas Best Value Inn (f/K/A | 1 | $750K | — |
| Del Taco | 1 | $815K | 0.0% |
| Travelodge | 1 | $2.6M | — |
| Popeyes Louisiana Kitchen | 1 | $285K | 0.0% |
| Chevron (gas Station) | 1 | $740K | 0.0% |
| Five Guys | 1 | $1.7M | 0.0% |
| The Melting Pot | 1 | $847K | 0.0% |
| KFC | 1 | $473K | 0.0% |
| Safari Kid | 1 | $3.1M | 0.0% |
| Wingstop | 1 | $1.2M | 0.0% |
| Paris Baguette | 1 | $580K | — |
| Midas | 1 | $205K | — |
Lending volume by year
1'06
3'07
1'13
7'14
1'15
2'16
2'18
1'19
1'20
2'21
1'23
1'24
Geographic exposure
2311.8%
Portfolio summary
Total funded$17.1M
Defaults2 of 23
Risk tierAVERAGE
Avg rate6.37%
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%).