CB
SBA 7(a) franchise lending portfolio
Capital Bank, National Association
GOOD risk
- Total loans
- 154
- Loan volume
- $148.5M
- Avg loan size
- $964K
- Charge-off rate
- 9.3%
- vs 15.4% national avg
Defaults
8
Avg interest
7.11%
Franchises funded
101
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| PuroClean | 7 | $2.3M | 0.0% (low risk) |
| Days Inn | 6 | $10.7M | 0.0% (low risk) |
| Quality Inn/Quality Suites, Ho | 5 | $12.9M | 0.0% (low risk) |
| Paul Davis Restoration | 5 | $1.9M | 0.0% (low risk) |
| Merry Maids | 4 | $1.1M | 0.0% (low risk) |
| Motel 6 | 4 | $8.4M | 0.0% (low risk) |
| Rita's Ice-Custard-Happiness | 4 | $1.1M | 25.0% (very high risk) |
| Goosehead Insurance | 4 | $1.9M | N/A |
| Ameriprise Financial | 3 | $5.4M | 0.0% (low risk) |
| Best Western Inn | 3 | $3.5M | 0.0% (low risk) |
| Comfort/ Comfort Inn & Suites/ | 3 | $6.7M | 0.0% (low risk) |
| Massage Heights | 3 | $1.3M | 100.0% (very high risk) |
| Pedal Pub | 3 | $400K | N/A |
| Red Roof Inn | 2 | $5.1M | 0.0% (low risk) |
| California Tortilla | 2 | $940K | 50.0% (very high risk) |
| America's Best Inns & Suites | 2 | $1.5M | 0.0% (low risk) |
| Super 8 | 2 | $2.1M | 0.0% (low risk) |
| Roy Rogers | 2 | $1.9M | 0.0% (low risk) |
| F45 Training | 2 | $500K | 0.0% (low risk) |
| Subway | 2 | $464K | N/A |
Lending volume by year
1'01
1'02
1'08
1'09
5'12
7'13
3'14
23'15
24'16
8'17
6'18
11'19
5'20
6'21
18'22
22'23
5'24
6'25
1'26
Capital Bank, National Association charge-off rate by loan vintage
BrandNational avg
Geographic exposure
260.0% (low risk)
1314.3% (elevated risk)
1120.0% (very high risk)
110.0% (low risk)
1014.3% (elevated risk)
100.0% (low risk)
1014.3% (elevated risk)
733.3% (very high risk)
60.0% (low risk)
60.0% (low risk)
Portfolio summary
Total funded$148.5M
Defaults8 of 154
Risk tierGOOD
Avg rate7.11%
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). 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, 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.