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SBA 7(a) franchise lending portfolio
VelocitySBA, LLC
CRITICAL risk
- Total loans
- 334
- Loan volume
- $144.3M
- Avg loan size
- $432K
- Default 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% |
| Liberty Tax Service | 8 | $73K | 25.0% |
| Quiznos | 8 | $90K | 75.0% |
| Anytime Fitness | 6 | $78K | 0.0% |
| AAMCO Transmissions | 5 | $58K | 40.0% |
| Goin' Postal | 5 | $45K | 20.0% |
| Jackson Hewitt Tax Service | 4 | $30K | 0.0% |
| Subway Sandwich Shop | 4 | $45K | 75.0% |
| Quality Inn by Choice Hotels / | 4 | $11.8M | 0.0% |
| The UPS Store (f/k/a Mail Box | 4 | $1.8M | 0.0% |
| Sign-A-Rama | 3 | $43K | 33.3% |
| Club Z | 3 | $30K | 33.3% |
| Meineke Car Care | 3 | $25K | 0.0% |
| Service Team Of Professionals | 3 | $25K | 100.0% |
| Senior Helpers | 3 | $23K | 0.0% |
| Subway | 3 | $1.8M | — |
| Gameday Men's Health/Gameday | 3 | $922K | — |
| World of Sourdough | 3 | $1.3M | — |
| Midas | 3 | $982K | — |
| Americas Best Value Inn | 3 | $8.0M | 0.0% |
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 default rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Geographic exposure
5029.0%
4419.2%
1926.7%
1812.5%
1513.3%
1415.4%
1310.0%
1237.5%
1250.0%
1037.5%
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
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%).