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SBA 7(a) franchise lending portfolio
Redwood CU
EXCELLENT risk
- Total loans
- 13
- Loan volume
- $3.5M
- Avg loan size
- $273K
- Default 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% |
| Extreme Pizza | 1 | $122K | 0.0% |
| The UPS Store (f/k/a Mail Box | 1 | $150K | 0.0% |
| Home Instead Senior Care | 1 | $290K | 0.0% |
| Pak Mail Centers | 1 | $435K | — |
| Cookie Cutters Haircuts for Ki | 1 | $125K | 0.0% |
| Signs Now | 1 | $358K | 0.0% |
| Wingstop Restaurant | 1 | $300K | 0.0% |
| Wicked Slush | 1 | $240K | — |
| AIM Mail (Retail Center) | 1 | $349K | — |
| Image360 | 1 | $290K | — |
| F45 Training | 1 | $350K | 0.0% |
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%
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
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%).