VC
SBA 7(a) franchise lending portfolio
Ventura County CU
AVERAGE risk
- Total loans
- 15
- Loan volume
- $5.7M
- Avg loan size
- $382K
- Charge-off rate
- 14.3%
- vs 15.4% national avg
Defaults
2
Avg interest
6.67%
Franchises funded
13
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The UPS Store | 3 | $745K | 0.0% (low risk) |
| Bruster's | 1 | $310K | 0.0% (low risk) |
| The Pie Hole | 1 | $150K | 0.0% (low risk) |
| Tae Ryong Taekwondo School | 1 | $103K | 0.0% (low risk) |
| MidiCi | 1 | $725K | 100.0% (very high risk) |
| Dog Haus | 1 | $266K | 0.0% (low risk) |
| Popbar | 1 | $240K | 0.0% (low risk) |
| Fedex Ground | 1 | $101K | 0.0% (low risk) |
| Ziggi's Coffee | 1 | $260K | 0.0% (low risk) |
| Maid Brigade | 1 | $83K | 0.0% (low risk) |
| Wanna Play Playcare | 1 | $240K | 100.0% (very high risk) |
| UFC Gym | 1 | $1.2M | 0.0% (low risk) |
| Black Bear Diner | 1 | $1.3M | 0.0% (low risk) |
Lending volume by year
1'14
1'15
1'16
6'17
1'18
3'19
1'20
1'21
Geographic exposure
1514.3% (elevated risk)
Portfolio summary
Total funded$5.7M
Defaults2 of 15
Risk tierAVERAGE
Avg rate6.67%
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 Ventura County CU originated?
- 15 loans totaling $5.7M. The portfolio carries a 14.3% charge-off rate, earning a “AVERAGE” 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 Ventura County CU fund the most?
- The “Top franchise exposures” table above lists the brands Ventura County CU has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.