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SBA 7(a) franchise lending portfolio
LiftFund, Inc.
ELEVATED risk
- Total loans
- 48
- Loan volume
- $7.7M
- Avg loan size
- $161K
- Default rate
- 16.7%
- vs 15.4% national avg
Defaults
4
Avg interest
8.48%
Franchises funded
44
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Baskin-Robbins | 2 | $263K | 0.0% |
| Reis & Irvy's | 2 | $270K | 100.0% |
| Minuteman Press | 2 | $425K | 0.0% |
| Hotworx | 2 | $375K | — |
| The Joint...the Chiropractic P | 1 | $132K | 0.0% |
| Little Beakers Science Lab for | 1 | $69K | — |
| Mac Birdie | 1 | $230K | 0.0% |
| The UPS Store | 1 | $225K | — |
| Locker Room Haircuts | 1 | $135K | 0.0% |
| T-Mobile | 1 | $85K | 0.0% |
| Total Golf Adventures/Tga | 1 | $188K | — |
| H.u.m.a.n. | 1 | $60K | 0.0% |
| Liberty Tax Service | 1 | $125K | 0.0% |
| Eagle Express Mail (The Mail B | 1 | $96K | 0.0% |
| Next Day Access | 1 | $120K | — |
| Anytime Fitness | 1 | $160K | — |
| Fantastic Sam's | 1 | $90K | 0.0% |
| Home Cleaning Centers of Ameri | 1 | $50K | — |
| Great Harvest Bread Co. | 1 | $125K | 0.0% |
| Deka Lash | 1 | $210K | 100.0% |
Lending volume by year
2'12
1'13
2'14
3'15
5'16
7'17
5'18
7'19
1'20
3'21
7'22
5'23
LiftFund, Inc. 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%).