AC
SBA 7(a) franchise lending portfolio
American Continental Bank
Risk rating: Average
- Total loans
- 64
- Loan volume
- $113.7M
- Avg loan size
- $1.8M
- Charge-off rate
- 14.3%
- vs 16.0% national
Charged off
5
Avg interest
5.81%
Franchises funded
47
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Yogurtland | 5 | $3.2M | N/A |
| Chevron - Retail Supply Contra | 4 | $8.3M | N/A |
| Circle K Stores, Inc. (Multi B | 4 | $2.1M | N/A |
| AM/PM Mini-Mart Agreement - AR | 3 | $13.7M | N/A |
| 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 |
| Studio 6 | 2 | $4.3M | N/A |
| Quality Inn by Choice Hotels / | 2 | $8.8M | N/A |
| Best Western - Membership Agre | 2 | $9.1M | N/A |
| Subs & Pastas | 1 | $140K | N/A |
| Choice Hotels International In | 1 | $1.6M | N/A |
| Saxbys Coffee | 1 | $180K | N/A |
| Texaco Service Station | 1 | $904K | N/A |
| Melt Cafe & Gelato Bar | 1 | $797K | N/A |
| Temporary Franchises | 1 | $150K | N/A |
| Sharky's Woodfired Mexican Gri | 1 | $750K | N/A |
| Boyett Petroleum -(Valero) B | 1 | $2.5M | N/A |
| Chevron (gas Station) | 1 | $2.1M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2006 | 2 |
| FY2007 | 2 |
| FY2008 | 1 |
| FY2010 | 1 |
| FY2011 | 3 |
| FY2012 | 5 |
| FY2013 | 1 |
| FY2014 | 4 |
| FY2016 | 1 |
| FY2018 | 4 |
| FY2019 | 2 |
| FY2020 | 4 |
| FY2021 | 15 |
| FY2022 | 9 |
| FY2023 | 5 |
| FY2024 | 1 |
| FY2025 | 4 |
SBA 7(a) · charge-off rate by approval year
American Continental Bank charge-off rate by loan vintage
None of these 7 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 |
|---|---|---|---|
| 2011 | 3 | 0 | Too few |
| 2012 | 4 | 2 | Too few |
| 2014 | 3 | 0 | Too few |
| 2018 | 3 | 0 | Too few |
| 2020 | 3 | 0 | Too early |
| 2021 | 7 | 1 | Too early |
| 2022 | 3 | 0 | Too early |
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.
Geographic exposure
4712.0% (average)
5N/A
4N/A
3N/A
2N/A
1N/A
1N/A
1N/A
Portfolio summary
Total funded$113.7M
Charged off5 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). 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 Continental Bank's rate of 14.3% is below 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 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.