RF
SBA 7(a) franchise lending portfolio
Rize Federal Credit Union
CRITICAL risk
- Total loans
- 14
- Loan volume
- $5.9M
- Avg loan size
- $421K
- Charge-off rate
- 21.4%
- vs 15.4% national avg
Defaults
3
Avg interest
6.00%
Franchises funded
7
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Domino's Pizza | 8 | $4.7M | 12.5% (elevated risk) |
| Flame Broiler (the) | 1 | $185K | 0.0% (low risk) |
| Quiznos | 1 | $169K | 100.0% (very high risk) |
| Joint (The) | 1 | $163K | 0.0% (low risk) |
| Big O Tires | 1 | $190K | 0.0% (low risk) |
| Fatburger | 1 | $356K | 100.0% (very high risk) |
| Junk King | 1 | $150K | 0.0% (low risk) |
Lending volume by year
1'06
4'08
1'09
2'10
2'11
3'12
1'13
Geographic exposure
1421.4% (very high risk)
Portfolio summary
Total funded$5.9M
Defaults3 of 14
Risk tierCRITICAL
Avg rate6.00%
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 Rize Federal Credit Union originated?
- 14 loans totaling $5.9M. The portfolio carries a 21.4% charge-off rate, earning a “CRITICAL” 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 Rize Federal Credit Union fund the most?
- The “Top franchise exposures” table above lists the brands Rize Federal Credit Union has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.