AC
SBA 7(a) franchise lending portfolio
American Continental Bank
AVERAGE risk
- Total loans
- 64
- Loan volume
- $113.7M
- Avg loan size
- $1.8M
- Charge-off 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% (very high risk) |
| Chevron - Retail Supply Contra | 4 | $8.3M | 0.0% (low risk) |
| AM/PM Mini-Mart Agreement - AR | 3 | $13.7M | 0.0% (low risk) |
| Circle K Stores, Inc. (Multi B | 2 | $1.1M | 0.0% (low risk) |
| Days Inn by Wyndham | 2 | $5.2M | N/A |
| Arco (BP) Contract Dealer Gaso | 2 | $1.0M | N/A |
| Valero Marketing and Supply Co | 2 | $3.6M | N/A |
| Circle K (C-store Agreement on | 2 | $1.0M | N/A |
| Studio 6 | 2 | $4.3M | 50.0% (very high risk) |
| Quality Inn by Choice Hotels / | 2 | $8.8M | N/A |
| Best Western - Membership Agre | 2 | $9.1M | 0.0% (low risk) |
| Subs & Pastas | 1 | $140K | 0.0% (low risk) |
| Choice Hotels International In | 1 | $1.6M | 100.0% (very high risk) |
| Saxbys Coffee | 1 | $180K | 100.0% (very high risk) |
| Texaco Service Station | 1 | $904K | 0.0% (low risk) |
| Melt Cafe & Gelato Bar | 1 | $797K | 0.0% (low risk) |
| Temporary Franchises | 1 | $150K | 0.0% (low risk) |
| Sharky's Woodfired Mexican Gri | 1 | $750K | N/A |
| Boyett Petroleum -(Valero) B | 1 | $2.5M | 0.0% (low risk) |
| Chevron (gas Station) | 1 | $2.1M | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
4712.0% (elevated risk)
50.0% (low risk)
4N/A
30.0% (low risk)
20.0% (low risk)
1100.0% (very high risk)
10.0% (low risk)
1100.0% (very high risk)
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
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 Continental Bank originated?
- 64 loans totaling $113.7M. The portfolio carries a 14.3% charge-off rate, earning a “AVERAGE” 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 Continental Bank fund the most?
- The “Top franchise exposures” table above lists the brands American Continental Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.