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SBA 7(a) franchise lending portfolio
Capital Bank, National Association
GOOD risk
- Total loans
- 154
- Loan volume
- $148.5M
- Avg loan size
- $964K
- Default 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% |
| Days Inn | 6 | $10.7M | 0.0% |
| Quality Inn/Quality Suites, Ho | 5 | $12.9M | 0.0% |
| Paul Davis Restoration | 5 | $1.9M | 0.0% |
| Merry Maids | 4 | $1.1M | 0.0% |
| Motel 6 | 4 | $8.4M | 0.0% |
| Rita's Ice-Custard-Happiness | 4 | $1.1M | 25.0% |
| Goosehead Insurance | 4 | $1.9M | — |
| Ameriprise Financial | 3 | $5.4M | 0.0% |
| Best Western Inn | 3 | $3.5M | 0.0% |
| Comfort/ Comfort Inn & Suites/ | 3 | $6.7M | 0.0% |
| Massage Heights | 3 | $1.3M | 100.0% |
| Pedal Pub | 3 | $400K | — |
| Red Roof Inn | 2 | $5.1M | 0.0% |
| California Tortilla | 2 | $940K | 50.0% |
| America's Best Inns & Suites | 2 | $1.5M | 0.0% |
| Super 8 | 2 | $2.1M | 0.0% |
| Roy Rogers | 2 | $1.9M | 0.0% |
| F45 Training | 2 | $500K | 0.0% |
| Subway | 2 | $464K | — |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
260.0%
1314.3%
1120.0%
110.0%
1014.3%
100.0%
1014.3%
733.3%
60.0%
60.0%
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
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%).