TF
SBA 7(a) franchise lending portfolio
Truliant FCU
EXCELLENT risk
- Total loans
- 45
- Loan volume
- $53.5M
- Avg loan size
- $1.2M
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
8.67%
Franchises funded
40
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Tropical Smoothie Cafe | 4 | $5.0M | N/A |
| Servpro | 2 | $261K | 0.0% (low risk) |
| Subway Sandwich Shop | 2 | $641K | 0.0% (low risk) |
| Fedex Ground | 1 | $370K | N/A |
| Dunkin' Donuts | 1 | $800K | 0.0% (low risk) |
| Clean Juice | 1 | $305K | 0.0% (low risk) |
| Matco Tools | 1 | $41K | 0.0% (low risk) |
| Subway | 1 | $65K | 0.0% (low risk) |
| Budget Blinds | 1 | $70K | 0.0% (low risk) |
| Fit Body Boot Camp | 1 | $419K | N/A |
| Philly Pretzel Factory | 1 | $366K | N/A |
| Fully Promoted a/k/a Embroid M | 1 | $947K | N/A |
| Sylvan Learning Centers | 1 | $250K | N/A |
| The Grounds Guys | 1 | $1.9M | N/A |
| Anjappar Chettinad | 1 | $985K | N/A |
| Launch Trampoline Park | 1 | $5.0M | N/A |
| Kumon | 1 | $195K | N/A |
| Comfort Keepers | 1 | $500K | N/A |
| Napa AutoCare Program Membersh | 1 | $626K | N/A |
| Americas Best Value Inn | 1 | $1.9M | N/A |
Lending volume by year
1'11
4'12
2'15
1'16
2'17
2'21
6'22
2'23
8'24
14'25
3'26
Geographic exposure
200.0% (low risk)
4N/A
3N/A
3N/A
2N/A
2N/A
1N/A
1N/A
1N/A
1N/A
Portfolio summary
Total funded$53.5M
Defaults0 of 45
Risk tierEXCELLENT
Avg rate8.67%
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 Truliant FCU originated?
- 45 loans totaling $53.5M. 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 Truliant FCU fund the most?
- The “Top franchise exposures” table above lists the brands Truliant FCU has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.