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SBA 7(a) franchise lending portfolio
Cambridge Savings Bank
EXCELLENT risk
- Total loans
- 33
- Loan volume
- $3.6M
- Avg loan size
- $109K
- Default rate
- 3.3%
- vs 15.4% national avg
Defaults
1
Avg interest
5.98%
Franchises funded
17
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Pure Barre | 4 | $435K | 0.0% |
| Sylvan Learning | 4 | $105K | 0.0% |
| Get In Shape For Women | 3 | $148K | 0.0% |
| Ben & Jerry's Ice Cream | 2 | $495K | 0.0% |
| The UPS Store (f/k/a Mail Box | 2 | $277K | 0.0% |
| Xtend Barre | 2 | $140K | 0.0% |
| Jackson Hewitt Tax Service | 2 | $125K | 0.0% |
| Code Ninjas | 2 | $242K | 50.0% |
| Sugar Plum Parties | 2 | $100K | 0.0% |
| Patrice & Associates | 2 | $85K | 0.0% |
| Paul Green School Of Rock Musi | 2 | $223K | 0.0% |
| Arthur Murray Dance Studio | 1 | $102K | 0.0% |
| Fitness Together (f/K/A Fitnes | 1 | $198K | 0.0% |
| BoConcept | 1 | $125K | — |
| Visiting Angels | 1 | $100K | 0.0% |
| Dunkin Donuts | 1 | $537K | 0.0% |
| True Value Hardware | 1 | $150K | 0.0% |
Lending volume by year
1'10
4'12
3'13
3'14
2'15
5'16
4'17
6'18
4'19
1'20
Cambridge Savings Bank default rate by loan vintage
BrandNational avg
Geographic exposure
333.3%
Portfolio summary
Total funded$3.6M
Defaults1 of 33
Risk tierEXCELLENT
Avg rate5.98%
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%).