LS
SBA 7(a) franchise lending portfolio
Lendstream Small Business Finance, LLC
CRITICAL risk
- Total loans
- 26
- Loan volume
- $28.8M
- Avg loan size
- $1.1M
- Charge-off rate
- 37.5%
- vs 15.4% national avg
Defaults
9
Avg interest
N/A
Franchises funded
17
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Super 8 Motel | 5 | $5.3M | 20.0% (very high risk) |
| Choice Hotels International In | 3 | $4.3M | 33.3% (very high risk) |
| Days Inn | 2 | $2.1M | 50.0% (very high risk) |
| Chevron (gas Station) | 2 | $975K | 0.0% (low risk) |
| Quality Inn | 2 | $2.3M | 0.0% (low risk) |
| Blimpie | 1 | $1.7M | 100.0% (very high risk) |
| Econo Lodge Motel | 1 | $1.6M | N/A |
| Super 8 by Wyndhan | 1 | $1.0M | 0.0% (low risk) |
| Country Inn | 1 | $1.2M | N/A |
| Tcby | 1 | $1.4M | 100.0% (very high risk) |
| Motel 6 | 1 | $744K | 0.0% (low risk) |
| Arco (gas Station) | 1 | $1.3M | 0.0% (low risk) |
| Country Hearth Inn | 1 | $1.2M | 100.0% (very high risk) |
| Dickey's Barbeque | 1 | $1.6M | 100.0% (very high risk) |
| Sunoco Service Station | 1 | $800K | 100.0% (very high risk) |
| Wings To Go | 1 | $245K | 0.0% (low risk) |
| Ace Hardware | 1 | $975K | 100.0% (very high risk) |
Lending volume by year
1'94
1'96
1'97
2'98
4'99
1'01
1'02
2'03
4'04
1'05
6'06
2'07
Lendstream Small Business Finance, LLC charge-off rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$28.8M
Defaults9 of 26
Risk tierCRITICAL
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 Lendstream Small Business Finance, LLC originated?
- 26 loans totaling $28.8M. The portfolio carries a 37.5% charge-off rate, earning a “CRITICAL” 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 Lendstream Small Business Finance, LLC fund the most?
- The “Top franchise exposures” table above lists the brands Lendstream Small Business Finance, 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.