CC
SBA 7(a) franchise lending portfolio
Capital Certified Development Corporation
EXCELLENT risk
- Total loans
- 15
- Loan volume
- $3.5M
- Avg loan size
- $235K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
8.38%
Franchises funded
12
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The Prep! | 3 | $1.1M | N/A |
| Scooter's Coffee | 2 | $315K | N/A |
| Golden Corral | 1 | $218K | 0.0% (low risk) |
| Schlotzsky's | 1 | $150K | 0.0% (low risk) |
| Nora Mental Health | 1 | $60K | N/A |
| Mathnasium Learning Centers | 1 | $75K | N/A |
| Gameday Men's Health/Gameday | 1 | $230K | N/A |
| La Quinta by Wyndham a.k.a. La | 1 | $315K | N/A |
| HTeaO | 1 | $250K | N/A |
| Home2 Suites by Hilton | 1 | $350K | N/A |
| Premier Martial Arts Studio | 1 | $350K | N/A |
| Baskin-Robbins | 1 | $165K | N/A |
Lending volume by year
1'14
1'19
1'20
1'22
3'23
4'25
4'26
Geographic exposure
140.0% (low risk)
1N/A
Portfolio summary
Total funded$3.5M
Defaults0 of 15
Risk tierEXCELLENT
Avg rate8.38%
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 Certified Development Corporation originated?
- 15 loans totaling $3.5M. 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 Certified Development Corporation fund the most?
- The “Top franchise exposures” table above lists the brands Capital Certified Development Corporation has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.