CC
SBA 7(a) franchise lending portfolio
Capital Community Bank
ELEVATED risk
- Total loans
- 12
- Loan volume
- $4.8M
- Avg loan size
- $396K
- Charge-off rate
- 16.7%
- vs 15.4% national avg
Defaults
1
Avg interest
8.93%
Franchises funded
11
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Tunex | 2 | $233K | 0.0% (low risk) |
| Quik Internet Of Northwest Tex | 1 | $65K | 0.0% (low risk) |
| Marblelife | 1 | $100K | 0.0% (low risk) |
| Bajio | 1 | $134K | 0.0% (low risk) |
| Crumbl | 1 | $1.7M | N/A |
| The Back Nine | 1 | $500K | N/A |
| Brooker's Founding Flavors Ice | 1 | $531K | N/A |
| The Break Sports Grill | 1 | $450K | N/A |
| Crave Cookies | 1 | $297K | 100.0% (very high risk) |
| 1-800-Striper | 1 | $430K | N/A |
| The Great Greek Mediterranean | 1 | $350K | N/A |
Lending volume by year
1'00
1'01
2'02
1'04
2'22
1'24
3'25
1'26
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 Community Bank originated?
- 12 loans totaling $4.8M. The portfolio carries a 16.7% charge-off rate, earning a “ELEVATED” 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 Community Bank fund the most?
- The “Top franchise exposures” table above lists the brands Capital Community 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.