![Candleman logo](https://cdn.brandfetch.io/candleman.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />)
F#4,757 of 5,063
15
Risk
F85/100
SBA Loan Data Only
This franchise has SBA 7(a) lending history but no Franchise Disclosure Document (FDD) on file. Investment costs, revenue, fees, and contract terms are not available. The Verdict score is based solely on SBA loan performance data.
SBA loans
44
Loan volume
$6.6M
Default rate
48.8%
vs <3% typical
Avg loan
$149K
Lenders
22
Government records
SBA Loan Data
Aggregated from SBA 7(a) loan disclosures, public data unique to FranchiseVerdict.
Total loans
44
Loan volume
$6.6M
Median loan
$140K
50th percentile
Default rate
48.8%
vs <3% typical · system-wide
Repayment rate (PIF)
51.2%
5-yr default
—
Loans approved 2021+
Active lenders
22
Defaults
21
Explore lender portfolios on Bank Reports or regional data on State Reports.
Vintage analysis
Candleman default rate by loan vintage
BrandNational avg
Lending insight
A 48.8% default rate means roughly 1 in 2 franchisees failed to repay their SBA loan. Investigate what changed.
FranchiseVerdict rating · based on SBA data
Risk & Legal
85
Risk · 0-100
F19Risk score 85
Low confidence±12 pts
7397