AC
SBA 7(a) franchise lending portfolio
American Commerce Bank, National Association
EXCELLENT risk
- Total loans
- 18
- Loan volume
- $28.1M
- Avg loan size
- $1.6M
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.33%
Franchises funded
14
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quality Inn/Quality Suites, Ho | 3 | $3.9M | 0.0% (low risk) |
| Marco's Pizza | 2 | $650K | 0.0% (low risk) |
| La Quinta Inn | 2 | $563K | 0.0% (low risk) |
| Holiday Inn | 1 | $3.7M | N/A |
| Country Inns & Suites By Carls | 1 | $2.3M | 0.0% (low risk) |
| Econo Lodge | 1 | $1.1M | 0.0% (low risk) |
| Comfort/ Comfort Inn & Suites/ | 1 | $3.8M | 0.0% (low risk) |
| Velox Insurance Inc. - License | 1 | $467K | N/A |
| Days Inn | 1 | $1.3M | 0.0% (low risk) |
| Johnny's Pizza, Johnny Brusco' | 1 | $373K | N/A |
| avid Hotels | 1 | $3.9M | N/A |
| Microtel Inn & Suites by Wyndh | 1 | $3.4M | N/A |
| Clipper Petroleum Supply Agree | 1 | $2.4M | 0.0% (low risk) |
| Jeremiah's Italian Ice | 1 | $265K | N/A |
Lending volume by year
1'13
1'14
3'15
3'16
3'17
2'18
1'20
1'21
2'23
1'24
American Commerce Bank, National Association charge-off rate by loan vintage
BrandNational avg
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 Commerce Bank, National Association originated?
- 18 loans totaling $28.1M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 American Commerce Bank, National Association fund the most?
- The “Top franchise exposures” table above lists the brands American Commerce Bank, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.