FranchiseVerdict

SBA 504 certified development company

Northwest Business Development Association

EXCELLENT risk
Total loans
154
Loan volume
$205.2M
Avg loan size
$1.3M
Default rate
5.0%
vs 13.3% national avg

Defaults

5

Franchises funded

100

Risk rating

EXCELLENT

Top franchise exposures

Lending volume by year

2
'92
1
3
5
1
1
'99
1
2
3
3
8
'05
11
8
8
2
8
'10
7
8
5
7
3
'15
5
6
5
5
6
'20
10
13
4
2
1
'25

Geographic coverage

Washington
1275.8%
Oregon
160.0%
Idaho
100.0%
Arizona
10.0%

Portfolio summary

Total funded$205.2M
Defaults5 of 154
Risk tierEXCELLENT

Source: SBA 504 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%).