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SBA 7(a) franchise lending portfolio
American Bank of Commerce
CRITICAL risk
- Total loans
- 50
- Loan volume
- $11.9M
- Avg loan size
- $237K
- Default rate
- 25.0%
- vs 15.4% national avg
Defaults
11
Avg interest
6.43%
Franchises funded
36
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Post Net | 4 | $448K | 50.0% |
| F45 Training | 3 | $603K | 66.7% |
| beem Light Sauna | 3 | $1.5M | — |
| Baskin-Robbins 31 Ice Cream | 2 | $418K | 0.0% |
| Rocky Mountain Chocolate Facto | 2 | $350K | 50.0% |
| Gatti's Pizza | 2 | $2.0M | 0.0% |
| Servpro | 2 | $225K | 0.0% |
| Style Encore | 2 | $310K | 0.0% |
| Waxing the City | 2 | $344K | 0.0% |
| Gatti's Pizza/Mr. Gatti's Pizz | 2 | $800K | 0.0% |
| Popeye's Famous Fried Chicken | 1 | $310K | 0.0% |
| Martinizing Dry Cleaning | 1 | $853K | 100.0% |
| Golftec | 1 | $302K | 0.0% |
| Pakmail Centers Of America | 1 | $77K | 0.0% |
| Curves For Women | 1 | $35K | 0.0% |
| Street Eagle | 1 | $150K | 0.0% |
| Doubledave's Pizzaworks | 1 | $52K | 0.0% |
| Autoqual Usa | 1 | $70K | 0.0% |
| Quiznos | 1 | $105K | 100.0% |
| Closet & Storage Concepts | 1 | $119K | 0.0% |
Lending volume by year
1'97
1
2
5
4
1'05
3
4
2
1
1'10
1
1
2
5
3'16
3
1
2
1
1'22
1
4'25
American Bank of Commerce default rate by loan vintage
BrandNational avg
Source: SBA 7(a) 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%).