BO
SBA 7(a) franchise lending portfolio
Bank of America California, National Association
AVERAGE risk
- Total loans
- 74
- Loan volume
- $9.3M
- Avg loan size
- $126K
- Charge-off rate
- 14.9%
- vs 15.4% national avg
Defaults
11
Avg interest
N/A
Franchises funded
46
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Baskin-Robbins 31 Ice Cream | 5 | $296K | 20.0% (very high risk) |
| Murphy's Pizza Take And Bake | 5 | $407K | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 5 | $370K | 20.0% (very high risk) |
| Burger King | 4 | $1.1M | 0.0% (low risk) |
| Econo Lub N Tune | 3 | $30K | 0.0% (low risk) |
| Papa Murphy's Take & Bake Pizz | 3 | $278K | 0.0% (low risk) |
| Subway Sandwich Shop | 2 | $105K | 0.0% (low risk) |
| Midas Muffler Shop | 2 | $250K | 50.0% (very high risk) |
| Future Kids | 2 | $65K | 50.0% (very high risk) |
| Taco Bell | 2 | $562K | 0.0% (low risk) |
| Round Table Pizza | 2 | $200K | 0.0% (low risk) |
| Seven-Eleven (7-11) Food Store | 2 | $70K | 0.0% (low risk) |
| Dairy Queen | 2 | $200K | 0.0% (low risk) |
| Togo's Eatery | 2 | $425K | 0.0% (low risk) |
| Tutor Time | 2 | $220K | 0.0% (low risk) |
| Tcby | 1 | $100K | 0.0% (low risk) |
| Chevron (gas Station) | 1 | $821K | 0.0% (low risk) |
| Coast-To-Coast Store | 1 | $195K | 100.0% (very high risk) |
| Minuteman Press | 1 | $40K | 0.0% (low risk) |
| Pizzeria Uno's (restaurant) | 1 | $500K | 100.0% (very high risk) |
Lending volume by year
10'92
5'93
2'94
8'95
10'96
11'97
16'98
8'99
4'00
Bank of America California, National Association charge-off rate by loan vintage
BrandNational avg
Geographic exposure
7414.9% (elevated risk)
Portfolio summary
Total funded$9.3M
Defaults11 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). 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 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.