CB
SBA 7(a) franchise lending portfolio
Capital Bank
EXCELLENT risk
- Total loans
- 13
- Loan volume
- $5.8M
- Avg loan size
- $447K
- Charge-off 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% (low risk) |
| Quiznos | 2 | $301K | 0.0% (low risk) |
| Massage Envy | 2 | $951K | 0.0% (low risk) |
| European Wax Center | 2 | $1.1M | 0.0% (low risk) |
| Learning Express | 1 | $91K | 0.0% (low risk) |
| Palace Inn | 1 | $1.9M | N/A |
| Schlotzsky's | 1 | $585K | N/A |
| Great Clips | 1 | $134K | 0.0% (low risk) |
Lending volume by year
1'97
2'02
1'13
5'14
2'15
1'18
1'19
Geographic exposure
110.0% (low risk)
20.0% (low risk)
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
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 Capital Bank originated?
- 13 loans totaling $5.8M. 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 Capital Bank fund the most?
- The “Top franchise exposures” table above lists the brands Capital 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.