P5
SBA 7(a) franchise lending portfolio
Port 51 Lending LLC
EXCELLENT risk
- Total loans
- 47
- Loan volume
- $89.2M
- Avg loan size
- $1.9M
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
9.30%
Franchises funded
43
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Crumbl | 2 | $710K | 0.0% (low risk) |
| Wingate by Wyndham | 2 | $10.0M | N/A |
| Fairfield by Marriott/Fairfiel | 2 | $7.4M | N/A |
| Hyper Kidz | 2 | $3.2M | N/A |
| Hampton Inn | 1 | $4.9M | N/A |
| Teapioca Lounge | 1 | $490K | N/A |
| Best Western - Membership Agre | 1 | $4.6M | N/A |
| AM/PM Mini-Mart Agreement - AR | 1 | $1.2M | N/A |
| The Human Bean | 1 | $1.5M | N/A |
| The UPS Store (f/k/a Mail Box | 1 | $500K | N/A |
| Togo's and TOGO'S | 1 | $995K | N/A |
| Five Star Bath Solutions | 1 | $415K | N/A |
| FLOSS - Trademark License Agre | 1 | $576K | N/A |
| Zoom Drain | 1 | $712K | N/A |
| Code Ninjas | 1 | $392K | N/A |
| Lean Kitchen Company | 1 | $325K | N/A |
| Sonesta ES Suites | 1 | $5.0M | N/A |
| Days Inn by Wyndham | 1 | $3.9M | N/A |
| Sweat440 | 1 | $500K | N/A |
| Sir Speedy | 1 | $710K | N/A |
Lending volume by year
2'20
3'21
1'22
2'23
3'24
30'25
6'26
Geographic exposure
10N/A
7N/A
40.0% (low risk)
40.0% (low risk)
20.0% (low risk)
2N/A
2N/A
20.0% (low risk)
2N/A
1N/A
Portfolio summary
Total funded$89.2M
Defaults0 of 47
Risk tierEXCELLENT
Avg rate9.30%
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 Port 51 Lending LLC originated?
- 47 loans totaling $89.2M. 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 Port 51 Lending LLC fund the most?
- The “Top franchise exposures” table above lists the brands Port 51 Lending LLC has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.