RC
SBA 7(a) franchise lending portfolio
Redwood CU
EXCELLENT risk
- Total loans
- 13
- Loan volume
- $3.5M
- Avg loan size
- $273K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.38%
Franchises funded
12
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Anytime Fitness | 2 | $536K | 0.0% (low risk) |
| Extreme Pizza | 1 | $122K | 0.0% (low risk) |
| The UPS Store (f/k/a Mail Box | 1 | $150K | 0.0% (low risk) |
| Home Instead Senior Care | 1 | $290K | 0.0% (low risk) |
| Pak Mail Centers | 1 | $435K | N/A |
| Cookie Cutters Haircuts for Ki | 1 | $125K | 0.0% (low risk) |
| Signs Now | 1 | $358K | 0.0% (low risk) |
| Wingstop Restaurant | 1 | $300K | 0.0% (low risk) |
| Wicked Slush | 1 | $240K | N/A |
| AIM Mail (Retail Center) | 1 | $349K | N/A |
| Image360 | 1 | $290K | N/A |
| F45 Training | 1 | $350K | 0.0% (low risk) |
Lending volume by year
1'10
2'12
1'13
1'15
1'16
2'18
1'19
1'21
2'22
1'23
Geographic exposure
130.0% (low risk)
Portfolio summary
Total funded$3.5M
Defaults0 of 13
Risk tierEXCELLENT
Avg rate6.38%
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 Redwood CU originated?
- 13 loans totaling $3.5M. 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 Redwood CU fund the most?
- The “Top franchise exposures” table above lists the brands Redwood CU has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.