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SBA 7(a) franchise lending portfolio
American Continental Bank
AVERAGE risk
- Total loans
- 64
- Loan volume
- $113.7M
- Avg loan size
- $1.8M
- Default rate
- 14.3%
- vs 15.4% national avg
Defaults
5
Avg interest
5.81%
Franchises funded
47
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Yogurtland | 5 | $3.2M | 40.0% |
| Chevron - Retail Supply Contra | 4 | $8.3M | 0.0% |
| AM/PM Mini-Mart Agreement - AR | 3 | $13.7M | 0.0% |
| Circle K Stores, Inc. (Multi B | 2 | $1.1M | 0.0% |
| Days Inn by Wyndham | 2 | $5.2M | — |
| Arco (BP) Contract Dealer Gaso | 2 | $1.0M | — |
| Valero Marketing and Supply Co | 2 | $3.6M | — |
| Circle K (C-store Agreement on | 2 | $1.0M | — |
| Studio 6 | 2 | $4.3M | 50.0% |
| Quality Inn by Choice Hotels / | 2 | $8.8M | — |
| Best Western - Membership Agre | 2 | $9.1M | 0.0% |
| Subs & Pastas | 1 | $140K | 0.0% |
| Choice Hotels International In | 1 | $1.6M | 100.0% |
| Saxbys Coffee | 1 | $180K | 100.0% |
| Texaco Service Station | 1 | $904K | 0.0% |
| Melt Cafe & Gelato Bar | 1 | $797K | 0.0% |
| Temporary Franchises | 1 | $150K | 0.0% |
| Sharky's Woodfired Mexican Gri | 1 | $750K | — |
| Boyett Petroleum -(Valero) B | 1 | $2.5M | 0.0% |
| Chevron (gas Station) | 1 | $2.1M | 0.0% |
Lending volume by year
2'06
2'07
1'08
1'10
3'11
5'12
1'13
4'14
1'16
4'18
2'19
4'20
15'21
9'22
5'23
1'24
4'25
American Continental Bank default rate by loan vintage
BrandNational avg
Geographic exposure
4712.0%
50.0%
30.0%
20.0%
1100.0%
10.0%
1100.0%
Portfolio summary
Total funded$113.7M
Defaults5 of 64
Risk tierAVERAGE
Avg rate5.81%
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%).