CB
SBA 7(a) franchise lending portfolio
Central Bank
GOOD risk
- Total loans
- 99
- Loan volume
- $34.9M
- Avg loan size
- $352K
- Charge-off rate
- 6.9%
- vs 15.4% national avg
Defaults
4
Avg interest
7.52%
Franchises funded
73
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Fastsigns | 4 | $1.4M | N/A |
| Race Trac | 4 | $2.4M | 0.0% (low risk) |
| Gandolfo's New York Delicatess | 3 | $252K | 0.0% (low risk) |
| Ogden's Carpet Outlet | 3 | $410K | 0.0% (low risk) |
| Jersey Mike's | 3 | $1.2M | 0.0% (low risk) |
| The Yard Milkshake Bar | 3 | $775K | N/A |
| Dairy Queen | 2 | $530K | 0.0% (low risk) |
| Cold Stone Creamery, Inc. | 2 | $523K | 0.0% (low risk) |
| Matco Tools | 2 | $77K | 50.0% (very high risk) |
| Dripbar | 2 | $356K | N/A |
| Uncle Sharkii Poke Bar | 2 | $649K | N/A |
| Raining Berries | 2 | $817K | 0.0% (low risk) |
| Moe's Southwest Grill | 2 | $1.9M | 0.0% (low risk) |
| Conserva Irrigation | 2 | $460K | N/A |
| Painter1 | 2 | $632K | N/A |
| Pier 49 Pizza | 2 | $313K | 0.0% (low risk) |
| Hotworx | 2 | $433K | 0.0% (low risk) |
| Renew Medic | 2 | $590K | N/A |
| Blimpie | 1 | $141K | 0.0% (low risk) |
| Culligan Soft Water Service | 1 | $250K | 0.0% (low risk) |
Lending volume by year
2'92
2
2
4
3
3'03
3
2
1
1
1'10
2
3
1
3
2'18
1
8
17
13
10'23
6
5
4'26
Central Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
507.1% (moderate risk)
268.3% (moderate risk)
60.0% (low risk)
50.0% (low risk)
520.0% (very high risk)
20.0% (low risk)
10.0% (low risk)
10.0% (low risk)
10.0% (low risk)
10.0% (low risk)
Portfolio summary
Total funded$34.9M
Defaults4 of 99
Risk tierGOOD
Avg rate7.52%
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 Central Bank originated?
- 99 loans totaling $34.9M. The portfolio carries a 6.9% charge-off rate, earning a “GOOD” 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 Central Bank fund the most?
- The “Top franchise exposures” table above lists the brands Central 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.