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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
- Default 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% |
| Little Caesars | 3 | $2.6M | 0.0% |
| Super 8 by Wyndhan | 2 | $4.2M | 0.0% |
| Pure Barre | 2 | $441K | — |
| Pet Supplies Plus | 2 | $275K | — |
| Jump!Zone Party and Play Cente | 1 | $125K | 0.0% |
| Sky High Sports | 1 | $2.1M | 0.0% |
| Skyzone | 1 | $1.6M | 0.0% |
| Urban Air Adventure Park | 1 | $1.4M | 0.0% |
| Halsted Sreet Deli | 1 | $3.8M | — |
| Subway | 1 | $150K | — |
| Dunkin' Donut/Baskin-Robbins C | 1 | $2.1M | 0.0% |
| Motel 6 | 1 | $1.5M | 0.0% |
| Bar-B-Clean | 1 | $250K | — |
| Alair Homes | 1 | $150K | — |
| The Dog Stop | 1 | $731K | — |
| Ductz | 1 | $150K | — |
| Signarama | 1 | $497K | — |
| Speed Queen | 1 | $2.6M | — |
| ServiceMaster | 1 | $150K | — |
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%
40.0%
30.0%
20.0%
1—
1—
1—
1—
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
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%).