MF
SBA 7(a) franchise lending portfolio
Mid-Atlantic FCU
EXCELLENT risk
- Total loans
- 10
- Loan volume
- $4.7M
- Avg loan size
- $469K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.05%
Franchises funded
5
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Greene Turtle | 3 | $1.7M | 0.0% (low risk) |
| International House Of Pancake | 2 | $1.6M | 0.0% (low risk) |
| IHOP | 2 | $650K | 0.0% (low risk) |
| SYNERGY HomeCare | 2 | $342K | 0.0% (low risk) |
| Daniel Ahart Tax Service | 1 | $415K | N/A |
Lending volume by year
2'09
2'11
2'12
2'14
2'22
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 Mid-Atlantic FCU originated?
- 10 loans totaling $4.7M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Mid-Atlantic FCU fund the most?
- The “Top franchise exposures” table above lists the brands Mid-Atlantic FCU has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.