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SBA 7(a) franchise lending portfolio
Navigant CU
EXCELLENT risk
- Total loans
- 16
- Loan volume
- $4.2M
- Avg loan size
- $260K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.83%
Franchises funded
8
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Jersey Mike's | 7 | $2.6M | — |
| Subway Sandwich Shop | 2 | $290K | 0.0% |
| Jersey Mike's (deli Restaurant | 2 | $300K | 0.0% |
| Honey Dew Donuts | 1 | $220K | 0.0% |
| Jersey Mike's | 1 | $120K | 0.0% |
| Minuteman Press | 1 | $135K | — |
| Honey Dew Donuts | 1 | $315K | — |
| ColorTyme | 1 | $150K | 0.0% |
Lending volume by year
3'11
2'13
1'15
1'20
4'21
2'22
1'24
2'25
Geographic exposure
120.0%
40.0%
Portfolio summary
Total funded$4.2M
Defaults0 of 16
Risk tierEXCELLENT
Avg rate6.83%
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%).