VL
SBA 7(a) franchise lending portfolio
VelocitySBA, LLC
CRITICAL risk
- Total loans
- 334
- Loan volume
- $144.3M
- Avg loan size
- $432K
- Charge-off rate
- 24.5%
- vs 15.4% national avg
Defaults
58
Avg interest
8.09%
Franchises funded
227
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The UPS Store | 10 | $105K | 10.0% (elevated risk) |
| Liberty Tax Service | 8 | $73K | 25.0% (very high risk) |
| Quiznos | 8 | $90K | 75.0% (very high risk) |
| Anytime Fitness | 6 | $78K | 0.0% (low risk) |
| AAMCO Transmissions | 5 | $58K | 40.0% (very high risk) |
| Goin' Postal | 5 | $45K | 20.0% (very high risk) |
| Jackson Hewitt Tax Service | 4 | $30K | 0.0% (low risk) |
| Subway Sandwich Shop | 4 | $45K | 75.0% (very high risk) |
| Quality Inn by Choice Hotels / | 4 | $11.8M | 0.0% (low risk) |
| The UPS Store (f/k/a Mail Box | 4 | $1.8M | 0.0% (low risk) |
| Sign-A-Rama | 3 | $43K | 33.3% (very high risk) |
| Club Z | 3 | $30K | 33.3% (very high risk) |
| Meineke Car Care | 3 | $25K | 0.0% (low risk) |
| Service Team Of Professionals | 3 | $25K | 100.0% (very high risk) |
| Senior Helpers | 3 | $23K | 0.0% (low risk) |
| Subway | 3 | $1.8M | N/A |
| Gameday Men's Health/Gameday | 3 | $922K | N/A |
| World of Sourdough | 3 | $1.3M | N/A |
| Midas | 3 | $982K | N/A |
| Americas Best Value Inn | 3 | $8.0M | 0.0% (low risk) |
Lending volume by year
3'06
21'07
3'08
13'09
92'10
43'11
6'12
19'13
6'14
4'16
3'18
8'19
11'20
14'21
20'22
7'23
22'24
35'25
4'26
VelocitySBA, LLC charge-off rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Geographic exposure
5029.0% (very high risk)
4419.2% (high risk)
1926.7% (very high risk)
1812.5% (elevated risk)
1513.3% (elevated risk)
1415.4% (high risk)
1310.0% (elevated risk)
1237.5% (very high risk)
1250.0% (very high risk)
1037.5% (very high risk)
Portfolio summary
Total funded$144.3M
Defaults58 of 334
Risk tierCRITICAL
Avg rate8.09%
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 VelocitySBA, LLC originated?
- 334 loans totaling $144.3M. The portfolio carries a 24.5% 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 VelocitySBA, LLC fund the most?
- The “Top franchise exposures” table above lists the brands VelocitySBA, LLC has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.