CB
SBA 7(a) franchise lending portfolio
Central Bank & Trust Co.
AVERAGE risk
- Total loans
- 19
- Loan volume
- $4.2M
- Avg loan size
- $223K
- Charge-off rate
- 11.1%
- vs 15.4% national avg
Defaults
2
Avg interest
5.08%
Franchises funded
17
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 2 | $406K | 0.0% (low risk) |
| Jimmy John's | 2 | $739K | 0.0% (low risk) |
| Play It Again Sports (retail S | 1 | $50K | 0.0% (low risk) |
| Buffalo Wings & Rings | 1 | $80K | 100.0% (very high risk) |
| Cookies By Design | 1 | $90K | 0.0% (low risk) |
| Bruster's | 1 | $176K | 0.0% (low risk) |
| Massage Envy | 1 | $234K | 0.0% (low risk) |
| Grow Biz International, Inc. | 1 | $120K | 0.0% (low risk) |
| Vr Business Brokers | 1 | $50K | 0.0% (low risk) |
| Great Harvest Bread Co. | 1 | $500K | 0.0% (low risk) |
| Twirl Boutique | 1 | $70K | 0.0% (low risk) |
| Laptopxchange | 1 | $128K | 0.0% (low risk) |
| AAMCO Transmissions | 1 | $182K | 100.0% (very high risk) |
| Snap Fitness | 1 | $360K | 0.0% (low risk) |
| Uncle Maddio's Pizza Joint | 1 | $537K | 0.0% (low risk) |
| Marco's Pizza | 1 | $163K | 0.0% (low risk) |
| Jimmy John's | 1 | $360K | N/A |
Lending volume by year
1'92
1'98
1'99
2'00
1'02
1'03
1'04
1'06
2'09
3'10
1'11
1'12
1'13
1'16
1'21
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 & Trust Co. originated?
- 19 loans totaling $4.2M. The portfolio carries a 11.1% charge-off rate, earning a “AVERAGE” 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 & Trust Co. fund the most?
- The “Top franchise exposures” table above lists the brands Central Bank & Trust Co. has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.