CB
SBA 7(a) franchise lending portfolio
CalPrivate Bank
EXCELLENT risk
- Total loans
- 21
- Loan volume
- $15.3M
- Avg loan size
- $726K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
8.20%
Franchises funded
17
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Chevron - Retail Supply Contra | 3 | $2.8M | N/A |
| Menchie's | 2 | $393K | N/A |
| The UPS Store (f/k/a Mail Box | 2 | $877K | N/A |
| Sealmaster | 1 | $573K | N/A |
| Big O Tires | 1 | $2.3M | N/A |
| Batteries Plus | 1 | $550K | 0.0% (low risk) |
| Oggi's Pizza & Brewing Company | 1 | $811K | 0.0% (low risk) |
| Remax | 1 | $342K | 0.0% (low risk) |
| Anytime Fitness | 1 | $357K | N/A |
| SpeeDee Oil Change & Auto Serv | 1 | $810K | N/A |
| Tire Pros | 1 | $1.6M | 0.0% (low risk) |
| Sourdough & Co / World of Sour | 1 | $445K | N/A |
| Nick the Greek | 1 | $640K | N/A |
| Deli Delicious | 1 | $225K | N/A |
| Van De Pol Enterprises, Inc. ( | 1 | $1.6M | N/A |
| Valero Marketing and Supply Co | 1 | $150K | 0.0% (low risk) |
| Epic Wings/Epic Wings N Things | 1 | $836K | 0.0% (low risk) |
Lending volume by year
1'12
2'13
1'14
1'18
1'19
2'21
3'22
4'23
3'24
3'25
Geographic exposure
210.0% (low risk)
Portfolio summary
Total funded$15.3M
Defaults0 of 21
Risk tierEXCELLENT
Avg rate8.20%
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 CalPrivate Bank originated?
- 21 loans totaling $15.3M. 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 CalPrivate Bank fund the most?
- The “Top franchise exposures” table above lists the brands CalPrivate 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.