SBA 7(a) franchise lending portfolio
Capital Bank, National Association
- Total loans
- 154
- Loan volume
- $148.5M
- Avg loan size
- $964K
- Charge-off rate
- 9.3%
- vs 16.0% national
Charged off
8
Avg interest
7.11%
Franchises funded
101
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| PuroClean | 7 | $2.3M | N/A |
| Days Inn | 6 | $10.7M | N/A |
| Quality Inn/Quality Suites, Ho | 5 | $12.9M | N/A |
| Paul Davis Restoration | 5 | $1.9M | N/A |
| Merry Maids | 4 | $1.1M | N/A |
| Motel 6 | 4 | $8.4M | N/A |
| Rita's Ice-Custard-Happiness | 4 | $1.1M | N/A |
| Goosehead Insurance | 4 | $1.9M | N/A |
| Ameriprise Financial | 3 | $5.4M | N/A |
| Best Western Inn | 3 | $3.5M | N/A |
| Comfort/ Comfort Inn & Suites/ | 3 | $6.7M | N/A |
| Massage Heights | 3 | $1.3M | N/A |
| Pedal Pub | 3 | $400K | N/A |
| Red Roof Inn | 2 | $5.1M | N/A |
| California Tortilla | 2 | $940K | N/A |
| America's Best Inns & Suites | 2 | $1.5M | N/A |
| Super 8 | 2 | $2.1M | N/A |
| Roy Rogers | 2 | $1.9M | N/A |
| F45 Training | 2 | $500K | N/A |
| Subway | 2 | $464K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2001 | 1 |
| FY2002 | 1 |
| FY2008 | 1 |
| FY2009 | 1 |
| FY2012 | 5 |
| FY2013 | 7 |
| FY2014 | 3 |
| FY2015 | 23 |
| FY2016 | 24 |
| FY2017 | 8 |
| FY2018 | 6 |
| FY2019 | 11 |
| FY2020 | 5 |
| FY2021 | 6 |
| FY2022 | 18 |
| FY2023 | 22 |
| FY2024 | 5 |
| FY2025 | 6 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
Capital Bank, National Association: 3 of the 5 charge-offs in the rated years came from 2015 loans
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2012 | 4 | 0 | Too few |
| 2013 | 5 | 0 | Too few |
| 2015 | 20 | 3 | 15.0% |
| 2016 | 22 | 2 | 9.1% |
| 2017 | 5 | 0 | Too few |
| 2018 | 6 | 0 | Too few |
| 2019 | 5 | 0 | Too few |
| 2022 | 6 | 1 | Too early |
| 2023 | 4 | 1 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
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, National Association originated?
- 154 loans totaling $148.5M. The portfolio carries a 9.3% charge-off rate, earning a “Good” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Capital Bank, National Association's rate of 9.3% is below the national rate.
- 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, National Association fund the most?
- The “Top franchise exposures” table above lists the brands Capital Bank, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.