BO
SBA 7(a) franchise lending portfolio
Bank of America California, National Association
Risk rating: Average
- Total loans
- 74
- Loan volume
- $9.3M
- Avg loan size
- $126K
- Charge-off rate
- 14.9%
- vs 16.0% national
Charged off
11
Avg interest
N/A
Franchises funded
46
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Baskin-Robbins 31 Ice Cream | 5 | $296K | N/A |
| Murphy's Pizza Take And Bake | 5 | $407K | N/A |
| Mail Boxes Etc. Usa | 5 | $370K | N/A |
| Burger King | 4 | $1.1M | N/A |
| Econo Lub N Tune | 3 | $30K | N/A |
| Papa Murphy's Take & Bake Pizz | 3 | $278K | N/A |
| Subway Sandwich Shop | 2 | $105K | N/A |
| Midas Muffler Shop | 2 | $250K | N/A |
| Future Kids | 2 | $65K | N/A |
| Taco Bell | 2 | $562K | N/A |
| Round Table Pizza | 2 | $200K | N/A |
| Seven-Eleven (7-11) Food Store | 2 | $70K | N/A |
| Dairy Queen | 2 | $200K | N/A |
| Togo's Eatery | 2 | $425K | N/A |
| Tutor Time | 2 | $220K | N/A |
| Tcby | 1 | $100K | N/A |
| Chevron (gas Station) | 1 | $821K | N/A |
| Coast-To-Coast Store | 1 | $195K | N/A |
| Minuteman Press | 1 | $40K | N/A |
| Pizzeria Uno's (restaurant) | 1 | $500K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 10 |
| FY1993 | 5 |
| FY1994 | 2 |
| FY1995 | 8 |
| FY1996 | 10 |
| FY1997 | 11 |
| FY1998 | 16 |
| FY1999 | 8 |
| FY2000 | 4 |
SBA 7(a) · charge-off rate by approval year
Bank of America California, National Association: highest rate in the 1996 loan year, 40.0%
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 10 | 0 | 0.0% |
| 1993 | 5 | 0 | Too few |
| 1995 | 8 | 0 | Too few |
| 1996 | 10 | 4 | 40.0% |
| 1997 | 11 | 0 | 0.0% |
| 1998 | 16 | 4 | 25.0% |
| 1999 | 8 | 1 | Too few |
| 2000 | 4 | 1 | Too few |
Dashed line: all franchise 7(a) loans approved the same year.
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
7414.9% (average)
Portfolio summary
Total funded$9.3M
Charged off11 of 74
Risk tierAverage
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 Bank of America California, National Association originated?
- 74 loans totaling $9.3M. The portfolio carries a 14.9% 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. Bank of America California, National Association's rate of 14.9% 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 Bank of America California, National Association fund the most?
- The “Top franchise exposures” table above lists the brands Bank of America California, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.