![American Commerce Bank, National Association logo](https://cdn.brandfetch.io/americancommercebank.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
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
- Default 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% |
| Marco's Pizza | 2 | $650K | 0.0% |
| La Quinta Inn | 2 | $563K | 0.0% |
| Holiday Inn | 1 | $3.7M | — |
| Country Inns & Suites By Carls | 1 | $2.3M | 0.0% |
| Econo Lodge | 1 | $1.1M | 0.0% |
| Comfort/ Comfort Inn & Suites/ | 1 | $3.8M | 0.0% |
| Velox Insurance Inc. - License | 1 | $467K | — |
| Days Inn | 1 | $1.3M | 0.0% |
| Johnny's Pizza, Johnny Brusco' | 1 | $373K | — |
| avid Hotels | 1 | $3.9M | — |
| Microtel Inn & Suites by Wyndh | 1 | $3.4M | — |
| Clipper Petroleum Supply Agree | 1 | $2.4M | 0.0% |
| Jeremiah's Italian Ice | 1 | $265K | — |
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 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%).