SBA 7(a) franchise lending portfolio
CDC Small Business Finance Corp.
- Total loans
- 255
- Loan volume
- $45.9M
- Avg loan size
- $180K
- Charge-off rate
- 46.3%
- vs 16.0% national
Charged off
44
Avg interest
10.05%
Franchises funded
163
Risk rating
High Risk
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Nurse Next Door | 27 | $5.1M | N/A |
| CarePatrol | 9 | $1.4M | N/A |
| United Water Restoration Group | 7 | $1.7M | N/A |
| AtWork | 6 | $1.3M | N/A |
| Subway | 5 | $677K | 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 | N/A |
| Self Made Training Facility | 3 | $750K | N/A |
| Poke House | 3 | $800K | N/A |
| Hydrate IV Bar | 3 | $800K | N/A |
| HomeWell Care Services / HomeW | 3 | $375K | N/A |
| 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 | N/A |
| We Rock The Spectrum Kid's Gym | 2 | $202K | N/A |
| Burgerim | 2 | $487K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2012 | 2 |
| FY2013 | 2 |
| FY2014 | 4 |
| FY2015 | 6 |
| FY2016 | 10 |
| FY2017 | 19 |
| FY2018 | 24 |
| FY2019 | 17 |
| FY2020 | 10 |
| FY2021 | 13 |
| FY2022 | 24 |
| FY2023 | 38 |
| FY2024 | 24 |
| FY2025 | 49 |
| FY2026 | 13 |
SBA 7(a) · charge-off rate by approval year
CDC Small Business Finance Corp.: above all franchise loans in each of the 3 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2014 | 4 | 2 | Too few |
| 2015 | 6 | 1 | Too few |
| 2016 | 9 | 2 | Too few |
| 2017 | 17 | 8 | 47.1% |
| 2018 | 17 | 9 | 52.9% |
| 2019 | 11 | 7 | 63.6% |
| 2020 | 7 | 0 | Too early |
| 2021 | 4 | 4 | Too early |
| 2022 | 9 | 8 | Too early |
| 2023 | 7 | 3 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
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 “High Risk” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. CDC Small Business Finance Corp.'s rate of 46.3% is above the national rate.
- 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.