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SBA 7(a) franchise lending portfolio
Truliant FCU
EXCELLENT risk
- Total loans
- 45
- Loan volume
- $53.5M
- Avg loan size
- $1.2M
- Default 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 | — |
| Servpro | 2 | $261K | 0.0% |
| Subway Sandwich Shop | 2 | $641K | 0.0% |
| Fedex Ground | 1 | $370K | — |
| Dunkin' Donuts | 1 | $800K | 0.0% |
| Clean Juice | 1 | $305K | 0.0% |
| Matco Tools | 1 | $41K | 0.0% |
| Subway | 1 | $65K | 0.0% |
| Budget Blinds | 1 | $70K | 0.0% |
| Fit Body Boot Camp | 1 | $419K | — |
| Philly Pretzel Factory | 1 | $366K | — |
| Fully Promoted a/k/a Embroid M | 1 | $947K | — |
| Sylvan Learning Centers | 1 | $250K | — |
| The Grounds Guys | 1 | $1.9M | — |
| Anjappar Chettinad | 1 | $985K | — |
| Launch Trampoline Park | 1 | $5.0M | — |
| Kumon | 1 | $195K | — |
| Comfort Keepers | 1 | $500K | — |
| Napa AutoCare Program Membersh | 1 | $626K | — |
| Americas Best Value Inn | 1 | $1.9M | — |
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%
3—
2—
2—
1—
1—
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
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%).