CB
SBA 7(a) franchise lending portfolio
Cadence Bank
Risk rating: Good
- Total loans
- 1,189
- Loan volume
- $1.0B
- Avg loan size
- $845K
- Charge-off rate
- 9.6%
- vs 16.0% national
Charged off
60
Avg interest
7.03%
Franchises funded
586
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Scooter's Coffee | 43 | $56.0M | N/A |
| Pet Supplies Plus | 34 | $39.0M | 0.0% (excellent) |
| The UPS Store (f/k/a Mail Box | 30 | $17.5M | N/A |
| Super 8 by Wyndhan | 13 | $29.2M | N/A |
| Quality Inn by Choice Hotels / | 13 | $36.8M | N/A |
| Workout Anytime | 13 | $10.3M | N/A |
| Days Inn by Wyndham | 12 | $27.7M | N/A |
| Hotworx | 12 | $4.4M | N/A |
| Premier Martial Arts Studio | 12 | $2.9M | N/A |
| Menchie's | 11 | $3.3M | N/A |
| Burgerim | 10 | $2.6M | N/A |
| Red Roof Inn | 9 | $21.4M | N/A |
| Cold Stone Creamery | 9 | $3.1M | N/A |
| Chicken Salad Chick | 9 | $7.1M | N/A |
| Subway Sandwich Shop | 8 | $1.5M | N/A |
| The Goddard School | 8 | $18.0M | N/A |
| Kiddie Academy | 8 | $23.2M | N/A |
| Firehouse Subs | 8 | $4.4M | N/A |
| Econo Lodge by Choice Hotels/E | 8 | $14.1M | N/A |
| Duck Donuts | 7 | $2.7M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 2 |
| FY1993 | 3 |
| FY1994 | 7 |
| FY1995 | 11 |
| FY1996 | 2 |
| FY1997 | 4 |
| FY1998 | 4 |
| FY1999 | 3 |
| FY2000 | 3 |
| FY2001 | 5 |
| FY2002 | 10 |
| FY2003 | 7 |
| FY2004 | 12 |
| FY2005 | 21 |
| FY2006 | 13 |
| FY2007 | 9 |
| FY2008 | 11 |
| FY2009 | 2 |
| FY2010 | 5 |
| FY2011 | 12 |
| FY2012 | 17 |
| FY2013 | 16 |
| FY2014 | 32 |
| FY2015 | 47 |
| FY2016 | 64 |
| FY2017 | 66 |
| FY2018 | 85 |
| FY2019 | 82 |
| FY2020 | 97 |
| FY2021 | 159 |
| FY2022 | 138 |
| FY2023 | 99 |
| FY2024 | 63 |
| FY2025 | 71 |
| FY2026 | 7 |
SBA 7(a) · charge-off rate by approval year
Cadence Bank: below all franchise loans in 13 of 19 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1993 | 3 | 0 | Too few |
| 1994 | 7 | 0 | Too few |
| 1995 | 10 | 3 | 30.0% |
| 1997 | 4 | 0 | Too few |
| 1998 | 4 | 0 | Too few |
| 1999 | 3 | 1 | Too few |
| 2000 | 3 | 1 | Too few |
| 2001 | 5 | 0 | Too few |
| 2002 | 10 | 1 | 10.0% |
| 2003 | 7 | 1 | Too few |
| 2004 | 12 | 4 | 33.3% |
| 2005 | 21 | 7 | 33.3% |
| 2006 | 13 | 3 | 23.1% |
| 2007 | 9 | 3 | Too few |
| 2008 | 11 | 2 | 18.2% |
| 2010 | 5 | 0 | Too few |
| 2011 | 12 | 0 | 0.0% |
| 2012 | 15 | 2 | 13.3% |
| 2013 | 15 | 0 | 0.0% |
| 2014 | 32 | 2 | 6.2% |
| 2015 | 39 | 2 | 5.1% |
| 2016 | 47 | 1 | 2.1% |
| 2017 | 47 | 9 | 19.1% |
| 2018 | 58 | 6 | 10.3% |
| 2019 | 47 | 2 | 4.3% |
| 2020 | 58 | 3 | 5.2% |
| 2021 | 64 | 2 | 3.1% |
| 2022 | 37 | 1 | 2.7% |
| 2023 | 18 | 2 | 11.1% |
| 2024 | 5 | 0 | Too early |
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
2239.2% (good)
21717.1% (elevated)
893.1% (excellent)
567.7% (good)
519.7% (good)
4617.1% (elevated)
460.0% (excellent)
410.0% (excellent)
3711.8% (average)
365.0% (good)
Portfolio summary
Total funded$1.0B
Charged off60 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). 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. Cadence Bank's rate of 9.6% 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 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.