LS
SBA 7(a) franchise lending portfolio
Lendistry SBLC, LLC
GOOD risk
- Total loans
- 83
- Loan volume
- $20.7M
- Avg loan size
- $249K
- Charge-off rate
- 9.5%
- vs 15.4% national avg
Defaults
2
Avg interest
11.49%
Franchises funded
70
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The UPS Store (f/k/a Mail Box | 5 | $1.3M | 0.0% (low risk) |
| Subway | 3 | $388K | 0.0% (low risk) |
| Farmers Insurance Agent Appoin | 3 | $258K | 0.0% (low risk) |
| Meineke Car Care Center | 2 | $379K | 0.0% (low risk) |
| F45 Training | 2 | $500K | 0.0% (low risk) |
| Burgerim | 2 | $500K | 0.0% (low risk) |
| CertaPro Painters | 2 | $190K | 0.0% (low risk) |
| The Camp Transformation Center | 2 | $315K | N/A |
| Big O Tires | 1 | $250K | 0.0% (low risk) |
| Papa John's | 1 | $250K | 0.0% (low risk) |
| BlueFrog Plumbing + Drain | 1 | $226K | 0.0% (low risk) |
| the COOP | 1 | $120K | 100.0% (very high risk) |
| Re/Max | 1 | $80K | 0.0% (low risk) |
| Waters Edge Wineries | 1 | $250K | 100.0% (very high risk) |
| Quality Inn by Choice Hotels / | 1 | $1.8M | 0.0% (low risk) |
| Camp Run-A-Mutt | 1 | $250K | 0.0% (low risk) |
| YogaSix | 1 | $627K | N/A |
| Preferred Care at Home | 1 | $300K | N/A |
| Chocolate Bash | 1 | $169K | N/A |
| Gecko Hospitality | 1 | $52K | N/A |
Lending volume by year
10'18
5'19
2'20
11'23
14'24
32'25
9'26
Geographic exposure
3911.1% (elevated risk)
9N/A
5N/A
40.0% (low risk)
4N/A
3N/A
2N/A
2N/A
20.0% (low risk)
2N/A
Portfolio summary
Total funded$20.7M
Defaults2 of 83
Risk tierGOOD
Avg rate11.49%
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 Lendistry SBLC, LLC originated?
- 83 loans totaling $20.7M. The portfolio carries a 9.5% charge-off rate, earning a “GOOD” 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 Lendistry SBLC, LLC fund the most?
- The “Top franchise exposures” table above lists the brands Lendistry SBLC, LLC has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.