CN
SBA 7(a) franchise lending portfolio
Capitol National Bank
ELEVATED risk
- Total loans
- 35
- Loan volume
- $7.4M
- Avg loan size
- $211K
- Charge-off rate
- 15.4%
- vs 15.4% national avg
Defaults
4
Avg interest
6.67%
Franchises funded
13
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Biggby Coffee | 14 | $4.3M | 0.0% (low risk) |
| Fantastic Sam's | 4 | $277K | 25.0% (very high risk) |
| Baskin-Robbins | 3 | $420K | 0.0% (low risk) |
| Biggby Coffee | 3 | $450K | 0.0% (low risk) |
| Subway Sandwich Shop | 2 | $529K | 0.0% (low risk) |
| Signs By Tomorrow | 2 | $115K | 100.0% (very high risk) |
| Cookies By Design | 1 | $90K | 0.0% (low risk) |
| Matco Tools (rent Tools) | 1 | $48K | 100.0% (very high risk) |
| Marco's Pizza | 1 | $136K | 0.0% (low risk) |
| Dreammaker Bath & Kitchen | 1 | $108K | 0.0% (low risk) |
| Marco's Pizza | 1 | $150K | 0.0% (low risk) |
| Gigi's Cupcakes | 1 | $289K | 0.0% (low risk) |
| Jersey Mike's | 1 | $500K | N/A |
Lending volume by year
5'97
2'04
2'05
1'07
1'08
2'15
3'16
4'18
2'19
2'20
3'21
4'22
2'23
1'24
1'25
Capitol National Bank charge-off rate by loan vintage
BrandNational avg
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 Capitol National Bank originated?
- 35 loans totaling $7.4M. The portfolio carries a 15.4% 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 Capitol National Bank fund the most?
- The “Top franchise exposures” table above lists the brands Capitol National 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.