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SBA 7(a) franchise lending portfolio
Capital Bank
EXCELLENT risk
- Total loans
- 13
- Loan volume
- $5.8M
- Avg loan size
- $447K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.00%
Franchises funded
8
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Amazing Lash Studio | 3 | $768K | 0.0% |
| Quiznos | 2 | $301K | 0.0% |
| Massage Envy | 2 | $951K | 0.0% |
| European Wax Center | 2 | $1.1M | 0.0% |
| Learning Express | 1 | $91K | 0.0% |
| Palace Inn | 1 | $1.9M | — |
| Schlotzsky's | 1 | $585K | — |
| Great Clips | 1 | $134K | 0.0% |
Lending volume by year
1'97
2'02
1'13
5'14
2'15
1'18
1'19
Geographic exposure
110.0%
20.0%
Portfolio summary
Total funded$5.8M
Defaults0 of 13
Risk tierEXCELLENT
Avg rate6.00%
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%).