CB
SBA 7(a) franchise lending portfolio
CenTrust Bank, A Division of SmartBiz Bank National Associat
EXCELLENT risk
- Total loans
- 40
- Loan volume
- $31.3M
- Avg loan size
- $781K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
9.44%
Franchises funded
33
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Auntie Anne's | 3 | $1.8M | 0.0% (low risk) |
| Little Caesars | 3 | $2.6M | 0.0% (low risk) |
| Super 8 by Wyndhan | 2 | $4.2M | 0.0% (low risk) |
| Pure Barre | 2 | $441K | N/A |
| Pet Supplies Plus | 2 | $275K | N/A |
| Jump!Zone Party and Play Cente | 1 | $125K | 0.0% (low risk) |
| Sky High Sports | 1 | $2.1M | 0.0% (low risk) |
| Skyzone | 1 | $1.6M | 0.0% (low risk) |
| Urban Air Adventure Park | 1 | $1.4M | 0.0% (low risk) |
| Halsted Sreet Deli | 1 | $3.8M | N/A |
| Subway | 1 | $150K | N/A |
| Dunkin' Donut/Baskin-Robbins C | 1 | $2.1M | 0.0% (low risk) |
| Motel 6 | 1 | $1.5M | 0.0% (low risk) |
| Bar-B-Clean | 1 | $250K | N/A |
| Alair Homes | 1 | $150K | N/A |
| The Dog Stop | 1 | $731K | N/A |
| Ductz | 1 | $150K | N/A |
| Signarama | 1 | $497K | N/A |
| Speed Queen | 1 | $2.6M | N/A |
| ServiceMaster | 1 | $150K | N/A |
Lending volume by year
1'16
2'17
7'18
2'19
2'20
2'21
2'22
1'23
4'24
9'25
8'26
Geographic exposure
160.0% (low risk)
40.0% (low risk)
30.0% (low risk)
20.0% (low risk)
1N/A
1N/A
1N/A
1N/A
1N/A
1N/A
Portfolio summary
Total funded$31.3M
Defaults0 of 40
Risk tierEXCELLENT
Avg rate9.44%
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 CenTrust Bank, A Division of SmartBiz Bank National Associat originated?
- 40 loans totaling $31.3M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 CenTrust Bank, A Division of SmartBiz Bank National Associat fund the most?
- The “Top franchise exposures” table above lists the brands CenTrust Bank, A Division of SmartBiz Bank National Associat has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.