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SBA 7(a) franchise lending portfolio
CFBank National Association
ELEVATED risk
- Total loans
- 17
- Loan volume
- $10.2M
- Avg loan size
- $603K
- Default rate
- 18.2%
- vs 15.4% national avg
Defaults
2
Avg interest
6.91%
Franchises funded
15
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Fleet Feet Sports | 3 | $3.3M | 0.0% |
| Pita Pit | 1 | $175K | 100.0% |
| Wings To Go | 1 | $150K | 100.0% |
| Robeks Juice | 1 | $320K | 0.0% |
| Allstate Insurance | 1 | $113K | 0.0% |
| Duck Donuts | 1 | $320K | 0.0% |
| Georgio's Oven Fresh Pizza Co. | 1 | $150K | 0.0% |
| The Pita Pit | 1 | $166K | 0.0% |
| Tropical Smoothie Cafe | 1 | $550K | — |
| Duncan Oil Co. - Product Suppl | 1 | $1.2M | — |
| Peach Cobbler Factory | 1 | $299K | — |
| Central Ohio Petroleum Markete | 1 | $1.2M | — |
| Premier Martial Arts Studio | 1 | $330K | — |
| Waters Edge Wineries | 1 | $1.5M | — |
| "RedLine Athletics", "Redline | 1 | $511K | 0.0% |
Lending volume by year
1'05
1'09
1'10
1'12
1'14
1'18
3'19
1'20
2'21
4'22
1'24
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%).