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SBA 7(a) franchise lending portfolio
Port 51 Lending LLC
EXCELLENT risk
- Total loans
- 47
- Loan volume
- $89.2M
- Avg loan size
- $1.9M
- Default 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% |
| Wingate by Wyndham | 2 | $10.0M | — |
| Fairfield by Marriott/Fairfiel | 2 | $7.4M | — |
| Hyper Kidz | 2 | $3.2M | — |
| Hampton Inn | 1 | $4.9M | — |
| Teapioca Lounge | 1 | $490K | — |
| Best Western - Membership Agre | 1 | $4.6M | — |
| AM/PM Mini-Mart Agreement - AR | 1 | $1.2M | — |
| The Human Bean | 1 | $1.5M | — |
| The UPS Store (f/k/a Mail Box | 1 | $500K | — |
| Togo's and TOGO'S | 1 | $995K | — |
| Five Star Bath Solutions | 1 | $415K | — |
| FLOSS - Trademark License Agre | 1 | $576K | — |
| Zoom Drain | 1 | $712K | — |
| Code Ninjas | 1 | $392K | — |
| Lean Kitchen Company | 1 | $325K | — |
| Sonesta ES Suites | 1 | $5.0M | — |
| Days Inn by Wyndham | 1 | $3.9M | — |
| Sweat440 | 1 | $500K | — |
| Sir Speedy | 1 | $710K | — |
Lending volume by year
2'20
3'21
1'22
2'23
3'24
30'25
6'26
Geographic exposure
10—
40.0%
40.0%
20.0%
2—
20.0%
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
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%).