AC
SBA 7(a) franchise lending portfolio
ACC Capital
GOOD risk
- Total loans
- 45
- Loan volume
- $14.5M
- Avg loan size
- $322K
- Charge-off rate
- 9.7%
- vs 15.4% national avg
Defaults
3
Avg interest
7.83%
Franchises funded
41
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Servpro | 2 | $112K | 0.0% (low risk) |
| Smoothie King | 2 | $650K | 0.0% (low risk) |
| Dunkin Donuts | 2 | $505K | 0.0% (low risk) |
| Play Street Museum | 2 | $869K | N/A |
| MAACO Auto Painting Center | 1 | $69K | 0.0% (low risk) |
| Blockbuster | 1 | $323K | 100.0% (very high risk) |
| Liberty Tax Service | 1 | $45K | 0.0% (low risk) |
| Phillips 66 | 1 | $522K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $43K | 0.0% (low risk) |
| Allegra Print | 1 | $1.3M | 0.0% (low risk) |
| Servicemaster | 1 | $491K | 0.0% (low risk) |
| Sports Clips | 1 | $119K | 0.0% (low risk) |
| Heavenly Hams | 1 | $133K | 100.0% (very high risk) |
| European Wax Center | 1 | $150K | 0.0% (low risk) |
| Sir Speedy Printing Center | 1 | $515K | 0.0% (low risk) |
| Smoothie King | 1 | $248K | 0.0% (low risk) |
| Domino's Pizza | 1 | $330K | 0.0% (low risk) |
| Anytime Fitness | 1 | $230K | 0.0% (low risk) |
| J. Gumbo's | 1 | $215K | 100.0% (very high risk) |
| Kilwin's | 1 | $250K | 0.0% (low risk) |
Lending volume by year
1'94
1
1
1
1
1'07
2
2
1
2
2'13
4
2
3
2
2'19
3
2
1
1
5'25
5'26
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 ACC Capital originated?
- 45 loans totaling $14.5M. The portfolio carries a 9.7% charge-off rate, earning a “GOOD” 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 ACC Capital fund the most?
- The “Top franchise exposures” table above lists the brands ACC Capital has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.