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SBA 7(a) franchise lending portfolio
CalPrivate Bank
EXCELLENT risk
- Total loans
- 21
- Loan volume
- $15.3M
- Avg loan size
- $726K
- Default 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 | — |
| Menchie's | 2 | $393K | — |
| The UPS Store (f/k/a Mail Box | 2 | $877K | — |
| Sealmaster | 1 | $573K | — |
| Big O Tires | 1 | $2.3M | — |
| Batteries Plus | 1 | $550K | 0.0% |
| Oggi's Pizza & Brewing Company | 1 | $811K | 0.0% |
| Remax | 1 | $342K | 0.0% |
| Anytime Fitness | 1 | $357K | — |
| SpeeDee Oil Change & Auto Serv | 1 | $810K | — |
| Tire Pros | 1 | $1.6M | 0.0% |
| Sourdough & Co / World of Sour | 1 | $445K | — |
| Nick the Greek | 1 | $640K | — |
| Deli Delicious | 1 | $225K | — |
| Van De Pol Enterprises, Inc. ( | 1 | $1.6M | — |
| Valero Marketing and Supply Co | 1 | $150K | 0.0% |
| Epic Wings/Epic Wings N Things | 1 | $836K | 0.0% |
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%
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
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%).