(Available on September 1, 2026)

The Independent Credit Rating for SBA Franchise Lending

Built on Actual SBA Loan Performance

Know a franchise’s credit history before you approve the loan.

The Coleman Franchise Portal gives SBA lenders instant access to independent credit ratings for 966 franchise brands with ten or more SBA 7(a) loans approved since 2018. Every rating is calculated using actual SBA loan performance and a published methodology applied equally to every franchise.

No opinions.

No subjective judgments.

No analyst overrides.

Just objective credit intelligence built from government loan data.

Portal Launches September 1, 2026

Why SBA Lenders Trust Coleman

Every franchise has a sales story.

We show you the SBA loan story.

The Coleman Franchise Portal transforms millions of SBA loan records into independent credit ratings, helping lenders make faster, more confident underwriting decisions. Whether you’re evaluating a new opportunity, managing portfolio concentrations, or supporting a credit decision during an examination, you’ll have objective data you can trust.

Independent. Transparent. Consistent.

Every one of the 966 franchise ratings is calculated using the same published methodology.

No analyst adjustments.

No committee overrides.

No subjective opinions.

Every franchise earns its rating solely through its actual SBA loan performance.

What You Receive

Coleman Franchise Rating

An easy-to-understand AAA through F credit rating based entirely on actual SBA loan performance.

Complete SBA Performance Data

• Loan approvals
• Total approval dollars
• Historical charge-offs
• Current portfolio stress
• Overall credit performance

SBA Franchise Directory

View Franchise Identifier Code, SBA eligibility, FTC determination, certification status, and listing information in the same search.

Credit Committee Ready

Use independent ratings in credit memorandums, loan committee presentations, portfolio reviews, concentration analysis, and regulatory examinations.

Built on a Published Methodology

Every Coleman Franchise Rating is calculated using a transparent methodology published by the Coleman Report.

Each rating is based on three objective measures:

• Historical SBA charge-off losses
• Historical charge-off frequency
• Current portfolio stress

A franchise’s rating changes only when its SBA loan performance changes.

Learn More About the Coleman Rating Methodology

Built for SBA Lenders

Designed for:

• SBA Underwriters
• Credit Officers
• Chief Credit Officers
• Portfolio Managers
• Loan Review
• Risk Management
• Business Development Officers