![CDC Small Business Finance Corp. logo](https://cdn.brandfetch.io/cdcsmallbusinessfinance.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
CDC Small Business Finance Corp.
CRITICAL risk
- Total loans
- 255
- Loan volume
- $45.9M
- Avg loan size
- $180K
- Default 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% |
| CarePatrol | 9 | $1.4M | — |
| United Water Restoration Group | 7 | $1.7M | — |
| AtWork | 6 | $1.3M | — |
| Amada Senior Care | 4 | $555K | — |
| The Back Nine | 4 | $1.2M | — |
| Unishippers | 4 | $517K | — |
| Pinot's Palette | 3 | $509K | 0.0% |
| Self Made Training Facility | 3 | $750K | 100.0% |
| Poke House | 3 | $800K | 0.0% |
| Hydrate IV Bar | 3 | $800K | — |
| HomeWell Care Services / HomeW | 3 | $375K | — |
| Subway | 3 | $375K | 50.0% |
| Goosehead Insurance | 3 | $265K | — |
| The UPS Store (f/k/a Mail Box | 3 | $759K | — |
| Fish Window Cleaning Services | 2 | $385K | — |
| Sharetea | 2 | $256K | 0.0% |
| We Rock The Spectrum Kid's Gym | 2 | $202K | 50.0% |
| Subway | 2 | $302K | 100.0% |
| Burgerim | 2 | $487K | 100.0% |
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. default rate by loan vintage
BrandNational avg
Geographic exposure
14346.6%
160.0%
1575.0%
1250.0%
9—
650.0%
50.0%
40.0%
4—
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
Default 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%), Critical (>20%).