CB
SBA 7(a) franchise lending portfolio
Cadence Bank
GOOD risk
- Total loans
- 1,189
- Loan volume
- $1.0B
- Avg loan size
- $845K
- Charge-off rate
- 9.6%
- vs 15.4% national avg
Defaults
60
Avg interest
7.03%
Franchises funded
586
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Scooter's Coffee | 43 | $56.0M | 0.0% (low risk) |
| Pet Supplies Plus | 34 | $39.0M | 0.0% (low risk) |
| The UPS Store (f/k/a Mail Box | 30 | $17.5M | 0.0% (low risk) |
| Super 8 by Wyndhan | 13 | $29.2M | 0.0% (low risk) |
| Quality Inn by Choice Hotels / | 13 | $36.8M | 0.0% (low risk) |
| Workout Anytime | 13 | $10.3M | 20.0% (very high risk) |
| Days Inn by Wyndham | 12 | $27.7M | 0.0% (low risk) |
| Hotworx | 12 | $4.4M | 0.0% (low risk) |
| Premier Martial Arts Studio | 12 | $2.9M | 0.0% (low risk) |
| Menchie's | 11 | $3.3M | 25.0% (very high risk) |
| Burgerim | 10 | $2.6M | 50.0% (very high risk) |
| Red Roof Inn | 9 | $21.4M | 0.0% (low risk) |
| Cold Stone Creamery | 9 | $3.1M | 0.0% (low risk) |
| Chicken Salad Chick | 9 | $7.1M | N/A |
| Subway Sandwich Shop | 8 | $1.5M | 0.0% (low risk) |
| The Goddard School | 8 | $18.0M | 0.0% (low risk) |
| Kiddie Academy | 8 | $23.2M | 0.0% (low risk) |
| Firehouse Subs | 8 | $4.4M | 0.0% (low risk) |
| Econo Lodge by Choice Hotels/E | 8 | $14.1M | 0.0% (low risk) |
| Duck Donuts | 7 | $2.7M | 0.0% (low risk) |
Lending volume by year
2'92
3
7
11
2
4'97
4
3
3
5
10'02
7
12
21
13
9'07
11
2
5
12
17'12
16
32
47
64
66'17
85
82
97
159
138'22
99
63
71
7'26
Cadence Bank charge-off rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Geographic exposure
2239.2% (moderate risk)
21717.1% (high risk)
893.1% (low risk)
567.7% (moderate risk)
519.7% (moderate risk)
4617.1% (high risk)
460.0% (low risk)
410.0% (low risk)
3711.8% (elevated risk)
365.0% (moderate risk)
Portfolio summary
Total funded$1.0B
Defaults60 of 1,189
Risk tierGOOD
Avg rate7.03%
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 Cadence Bank originated?
- 1,189 loans totaling $1005.2M. The portfolio carries a 9.6% charge-off rate, earning a “GOOD” 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 Cadence Bank fund the most?
- The “Top franchise exposures” table above lists the brands Cadence Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.