LI
SBA 7(a) franchise lending portfolio
LiftFund, Inc.
ELEVATED risk
- Total loans
- 48
- Loan volume
- $7.7M
- Avg loan size
- $161K
- Charge-off 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% (low risk) |
| Reis & Irvy's | 2 | $270K | 100.0% (very high risk) |
| Minuteman Press | 2 | $425K | 0.0% (low risk) |
| Hotworx | 2 | $375K | N/A |
| The Joint...the Chiropractic P | 1 | $132K | 0.0% (low risk) |
| Little Beakers Science Lab for | 1 | $69K | N/A |
| Mac Birdie | 1 | $230K | 0.0% (low risk) |
| The UPS Store | 1 | $225K | N/A |
| Locker Room Haircuts | 1 | $135K | 0.0% (low risk) |
| T-Mobile | 1 | $85K | 0.0% (low risk) |
| Total Golf Adventures/Tga | 1 | $188K | N/A |
| H.u.m.a.n. | 1 | $60K | 0.0% (low risk) |
| Liberty Tax Service | 1 | $125K | 0.0% (low risk) |
| Eagle Express Mail (The Mail B | 1 | $96K | 0.0% (low risk) |
| Next Day Access | 1 | $120K | N/A |
| Anytime Fitness | 1 | $160K | N/A |
| Fantastic Sam's | 1 | $90K | 0.0% (low risk) |
| Home Cleaning Centers of Ameri | 1 | $50K | N/A |
| Great Harvest Bread Co. | 1 | $125K | 0.0% (low risk) |
| Deka Lash | 1 | $210K | 100.0% (very high risk) |
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. charge-off rate by loan vintage
BrandNational avg
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 LiftFund, Inc. originated?
- 48 loans totaling $7.7M. The portfolio carries a 16.7% charge-off rate, earning a “ELEVATED” 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 LiftFund, Inc. fund the most?
- The “Top franchise exposures” table above lists the brands LiftFund, Inc. has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.