BO
SBA 7(a) franchise lending portfolio
Banc of California
AVERAGE risk
- Total loans
- 612
- Loan volume
- $506.7M
- Avg loan size
- $828K
- Charge-off rate
- 12.6%
- vs 15.4% national avg
Defaults
64
Avg interest
6.09%
Franchises funded
244
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Domino's | 56 | $49.6M | 6.1% (moderate risk) |
| Domino's Pizza | 29 | $18.4M | 0.0% (low risk) |
| Subway Sandwich Shop | 12 | $3.6M | 0.0% (low risk) |
| Super 8 Motel | 12 | $15.8M | 8.3% (moderate risk) |
| Quiznos | 11 | $3.0M | 22.2% (very high risk) |
| Mail Boxes Etc. Usa | 10 | $1.2M | 10.0% (elevated risk) |
| Days Inn | 10 | $12.0M | 0.0% (low risk) |
| Jimmy John's | 10 | $11.8M | 0.0% (low risk) |
| Golden Corral | 10 | $17.5M | 0.0% (low risk) |
| Farmer Boys-Brea | 9 | $7.2M | 0.0% (low risk) |
| Dairy Queen | 8 | $3.0M | 12.5% (elevated risk) |
| Massage Envy | 8 | $2.9M | 28.6% (very high risk) |
| The Goddard School | 8 | $25.2M | 0.0% (low risk) |
| Little Caesar Pizza | 8 | $7.2M | 0.0% (low risk) |
| Sonic Drive-In | 7 | $8.6M | 0.0% (low risk) |
| Interstate All Battery Center | 7 | $16.4M | 0.0% (low risk) |
| Econo Lodge Motel | 6 | $7.6M | 0.0% (low risk) |
| Cold Stone Creamery, Inc. | 6 | $1.2M | 16.7% (high risk) |
| Arco (gas Station) | 6 | $7.0M | 16.7% (high risk) |
| UPS Store | 6 | $1.2M | 0.0% (low risk) |
Lending volume by year
5'92
4
1
5
6
11'97
5
22
16
13
31'02
32
35
38
26
19'07
21
11
7
18
12'12
18
39
38
18
20'17
22
23
31
31
12'22
6
9
6
1'26
Banc of California charge-off rate by loan vintage
BrandNational avg
Geographic exposure
32117.2% (high risk)
369.5% (moderate risk)
230.0% (low risk)
190.0% (low risk)
1414.3% (elevated risk)
140.0% (low risk)
1320.0% (very high risk)
1211.1% (elevated risk)
1116.7% (high risk)
100.0% (low risk)
Portfolio summary
Total funded$506.7M
Defaults64 of 612
Risk tierAVERAGE
Avg rate6.09%
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 Banc of California originated?
- 612 loans totaling $506.7M. The portfolio carries a 12.6% 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 Banc of California fund the most?
- The “Top franchise exposures” table above lists the brands Banc of California has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.