AB
SBA 7(a) franchise lending portfolio
American Bank of Commerce
Risk rating: High Risk
- Total loans
- 50
- Loan volume
- $11.9M
- Avg loan size
- $237K
- Charge-off rate
- 25.0%
- vs 16.0% national
Charged off
11
Avg interest
6.43%
Franchises funded
36
Risk rating
High Risk
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Post Net | 4 | $448K | N/A |
| F45 Training | 3 | $603K | N/A |
| beem Light Sauna | 3 | $1.5M | N/A |
| Baskin-Robbins 31 Ice Cream | 2 | $418K | N/A |
| Rocky Mountain Chocolate Facto | 2 | $350K | N/A |
| Gatti's Pizza | 2 | $2.0M | N/A |
| Servpro | 2 | $225K | N/A |
| Style Encore | 2 | $310K | N/A |
| Waxing the City | 2 | $344K | N/A |
| Gatti's Pizza/Mr. Gatti's Pizz | 2 | $800K | N/A |
| Popeye's Famous Fried Chicken | 1 | $310K | N/A |
| Martinizing Dry Cleaning | 1 | $853K | N/A |
| GOLFTEC | 1 | $302K | N/A |
| Pakmail Centers Of America | 1 | $77K | N/A |
| Curves For Women | 1 | $35K | N/A |
| Street Eagle | 1 | $150K | N/A |
| Doubledave's Pizzaworks | 1 | $52K | N/A |
| Autoqual Usa | 1 | $70K | N/A |
| Quiznos | 1 | $105K | N/A |
| Closet & Storage Concepts | 1 | $119K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1997 | 1 |
| FY2000 | 1 |
| FY2002 | 2 |
| FY2003 | 5 |
| FY2004 | 4 |
| FY2005 | 1 |
| FY2006 | 3 |
| FY2007 | 4 |
| FY2008 | 2 |
| FY2009 | 1 |
| FY2010 | 1 |
| FY2011 | 1 |
| FY2013 | 1 |
| FY2014 | 2 |
| FY2015 | 5 |
| FY2016 | 3 |
| FY2018 | 3 |
| FY2019 | 1 |
| FY2020 | 2 |
| FY2021 | 1 |
| FY2022 | 1 |
| FY2024 | 1 |
| FY2025 | 4 |
SBA 7(a) · charge-off rate by approval year
American Bank of Commerce charge-off rate by loan vintage
None of these 6 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2003 | 5 | 1 | Too few |
| 2004 | 4 | 2 | Too few |
| 2006 | 3 | 1 | Too few |
| 2007 | 4 | 1 | Too few |
| 2015 | 5 | 0 | Too few |
| 2018 | 3 | 1 | Too few |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
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 American Bank of Commerce originated?
- 50 loans totaling $11.9M. The portfolio carries a 25.0% charge-off rate, earning a “High Risk” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. American Bank of Commerce's rate of 25.0% is above the national rate.
- 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 American Bank of Commerce fund the most?
- The “Top franchise exposures” table above lists the brands American Bank of Commerce has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.