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SBA 7(a) franchise lending portfolio
CDC Small Business Finance Corp.
CRITICAL risk
- Total loans
- 255
- Loan volume
- $45.9M
- Avg loan size
- $180K
- Charge-off rate
- 46.3%
- vs 15.4% national avg
Defaults
44
Avg interest
10.05%
Franchises funded
163
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Nurse Next Door | 27 | $5.1M | 85.7% (very high risk) |
| CarePatrol | 9 | $1.4M | N/A |
| United Water Restoration Group | 7 | $1.7M | N/A |
| AtWork | 6 | $1.3M | N/A |
| Amada Senior Care | 4 | $555K | N/A |
| The Back Nine | 4 | $1.2M | N/A |
| Unishippers | 4 | $517K | N/A |
| Pinot's Palette | 3 | $509K | 0.0% (low risk) |
| Self Made Training Facility | 3 | $750K | 100.0% (very high risk) |
| Poke House | 3 | $800K | 0.0% (low risk) |
| Hydrate IV Bar | 3 | $800K | N/A |
| HomeWell Care Services / HomeW | 3 | $375K | N/A |
| Subway | 3 | $375K | 50.0% (very high risk) |
| Goosehead Insurance | 3 | $265K | N/A |
| The UPS Store (f/k/a Mail Box | 3 | $759K | N/A |
| Fish Window Cleaning Services | 2 | $385K | N/A |
| Sharetea | 2 | $256K | 0.0% (low risk) |
| We Rock The Spectrum Kid's Gym | 2 | $202K | 50.0% (very high risk) |
| Subway | 2 | $302K | 100.0% (very high risk) |
| Burgerim | 2 | $487K | 100.0% (very high risk) |
Lending volume by year
2'12
2'13
4'14
6'15
10'16
19'17
24'18
17'19
10'20
13'21
24'22
38'23
24'24
49'25
13'26
CDC Small Business Finance Corp. charge-off rate by loan vintage
BrandNational avg
Geographic exposure
14346.6% (very high risk)
160.0% (low risk)
1575.0% (very high risk)
1250.0% (very high risk)
9N/A
650.0% (very high risk)
50.0% (low risk)
5N/A
40.0% (low risk)
4N/A
Portfolio summary
Total funded$45.9M
Defaults44 of 255
Risk tierCRITICAL
Avg rate10.05%
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 CDC Small Business Finance Corp. originated?
- 255 loans totaling $45.9M. The portfolio carries a 46.3% charge-off rate, earning a “CRITICAL” 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 CDC Small Business Finance Corp. fund the most?
- The “Top franchise exposures” table above lists the brands CDC Small Business Finance Corp. has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.