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SBA 7(a) franchise lending portfolio
California Business Bank
EXCELLENT risk
- Total loans
- 10
- Loan volume
- $8.2M
- Avg loan size
- $821K
- Default 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% |
| Buffalo Wild Wings (f/K/A Bw-3 | 2 | $2.7M | 0.0% |
| Signs By Tomorrow | 1 | $394K | 0.0% |
| Extramile | 1 | $1.1M | 0.0% |
| Valero | 1 | $1.2M | 0.0% |
| Checkers Drive-In Restaurant | 1 | $1.5M | 0.0% |
| Kolache Factory | 1 | $598K | 0.0% |
Lending volume by year
1'10
2'11
1'12
4'13
1'14
1'21
Geographic exposure
100.0%
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
Default 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%), Critical (>20%).