CB
SBA 7(a) franchise lending portfolio
California Business Bank
EXCELLENT risk
- Total loans
- 10
- Loan volume
- $8.2M
- Avg loan size
- $821K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.95%
Franchises funded
7
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| El Pollo Regio | 3 | $825K | 0.0% (low risk) |
| Buffalo Wild Wings (f/K/A Bw-3 | 2 | $2.7M | 0.0% (low risk) |
| Signs By Tomorrow | 1 | $394K | 0.0% (low risk) |
| Extramile | 1 | $1.1M | 0.0% (low risk) |
| Valero | 1 | $1.2M | 0.0% (low risk) |
| Checkers Drive-In Restaurant | 1 | $1.5M | 0.0% (low risk) |
| Kolache Factory | 1 | $598K | 0.0% (low risk) |
Lending volume by year
1'10
2'11
1'12
4'13
1'14
1'21
Geographic exposure
100.0% (low risk)
Portfolio summary
Total funded$8.2M
Defaults0 of 10
Risk tierEXCELLENT
Avg rate5.95%
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 California Business Bank originated?
- 10 loans totaling $8.2M. 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 California Business Bank fund the most?
- The “Top franchise exposures” table above lists the brands California Business 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.