BO
SBA 7(a) franchise lending portfolio
Bank of Colorado
EXCELLENT risk
- Total loans
- 18
- Loan volume
- $7.1M
- Avg loan size
- $395K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.83%
Franchises funded
17
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Anytime Fitness | 2 | $365K | 0.0% (low risk) |
| True Value Hardware | 1 | $350K | 0.0% (low risk) |
| Bonanza Steakhouse | 1 | $225K | 0.0% (low risk) |
| Koa Kampgrounds(kampgrounds Of | 1 | $734K | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 1 | $60K | 0.0% (low risk) |
| Ace Hardware | 1 | $200K | 0.0% (low risk) |
| Heidi's Brooklyn Deli Soup "n | 1 | $281K | 0.0% (low risk) |
| Cookies By Design | 1 | $125K | 0.0% (low risk) |
| Frontier Adjusters Of America | 1 | $100K | 0.0% (low risk) |
| Baby & Me | 1 | $70K | 0.0% (low risk) |
| Villa Pizza | 1 | $240K | 0.0% (low risk) |
| Shell Service Station | 1 | $2.2M | 0.0% (low risk) |
| Jimmy John's | 1 | $275K | 0.0% (low risk) |
| Dairy Queen | 1 | $145K | 0.0% (low risk) |
| Texaco Service Station | 1 | $953K | 0.0% (low risk) |
| Floors To Go | 1 | $595K | N/A |
| bb.q Chicken | 1 | $200K | N/A |
Lending volume by year
1'92
1'93
1'95
1'97
1'98
2'01
1'07
1'09
2'10
4'13
1'14
2'21
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 Colorado originated?
- 18 loans totaling $7.1M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Colorado fund the most?
- The “Top franchise exposures” table above lists the brands Bank of Colorado has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.