BB
SBA 7(a) franchise lending portfolio
BBVA Bancomer USA
CRITICAL risk
- Total loans
- 27
- Loan volume
- $10.4M
- Avg loan size
- $384K
- Charge-off rate
- 33.3%
- vs 15.4% national avg
Defaults
9
Avg interest
N/A
Franchises funded
20
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Farmer Boys-Brea | 4 | $3.0M | 0.0% (low risk) |
| Fantastic Sam's | 3 | $398K | 100.0% (very high risk) |
| Green Burrito (mex. Fastfood) | 2 | $294K | 0.0% (low risk) |
| Grease Monkey | 2 | $1.0M | 0.0% (low risk) |
| Travelodge | 1 | $275K | 0.0% (low risk) |
| Mobil Oil (stations) | 1 | $1.1M | 0.0% (low risk) |
| Coast-To-Coast Store | 1 | $332K | 100.0% (very high risk) |
| Shakey's Pizza | 1 | $500K | 0.0% (low risk) |
| Breathe Yoga | 1 | $100K | 0.0% (low risk) |
| Days Inn | 1 | $813K | 100.0% (very high risk) |
| Texaco Service Station | 1 | $50K | 0.0% (low risk) |
| Deck The Walls | 1 | $130K | 100.0% (very high risk) |
| Fan-Maniacs, Inc | 1 | $100K | 100.0% (very high risk) |
| Chevron (gas Station) | 1 | $436K | 100.0% (very high risk) |
| Meineke Car Care | 1 | $368K | 0.0% (low risk) |
| Kentucky Fried Chicken | 1 | $500K | 0.0% (low risk) |
| Union 76 Oil | 1 | $325K | 0.0% (low risk) |
| Blimpie | 1 | $104K | 100.0% (very high risk) |
| Baja Fresh Mexican Grill | 1 | $389K | 0.0% (low risk) |
| Rocky Mountain Chocolate Facto | 1 | $200K | 0.0% (low risk) |
Lending volume by year
3'95
2'96
3'97
5'98
5'99
3'00
1'01
1'02
2'03
2'04
BBVA Bancomer USA charge-off rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$10.4M
Defaults9 of 27
Risk tierCRITICAL
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 BBVA Bancomer USA originated?
- 27 loans totaling $10.4M. The portfolio carries a 33.3% charge-off rate, earning a “CRITICAL” 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 BBVA Bancomer USA fund the most?
- The “Top franchise exposures” table above lists the brands BBVA Bancomer USA has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.