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SBA 7(a) franchise lending portfolio
OptimumBank
UNKNOWN risk
- Total loans
- 13
- Loan volume
- $16.4M
- Avg loan size
- $1.3M
- Default rate
- —
- vs 15.4% national avg
Defaults
0
Avg interest
10.94%
Franchises funded
8
Risk rating
UNKNOWN
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Scooter's Coffee | 3 | $5.6M | — |
| Ziggi's Coffee | 2 | $1.6M | — |
| Crust Pizza Co. | 2 | $1.9M | — |
| Riko's Pizza | 2 | $1.1M | — |
| Launch Trampoline Park | 1 | $5.0M | — |
| Surface Experts | 1 | $300K | — |
| SoFresh | 1 | $585K | — |
| Ace Handyman Services | 1 | $300K | — |
Lending volume by year
1'23
7'24
4'25
1'26
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%).