Question 1

How many SBA 7(a) franchise loans has CIBC Bank USA originated?

Accepted Answer

CIBC Bank USA has originated 127 SBA 7(a) franchise loans totaling $66.6M. The portfolio's charge-off rate is 10.3%, which earns a "AVERAGE" risk rating per our methodology (Excellent <5% / Good 5-10% / Average 10-15% / Elevated 15-20% / High Risk >20%).

Question 2

What is the charge-off rate and why does it matter?

Accepted Answer

A charge-off is a loan the lender has written off as a loss after the borrower stopped paying. 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. CIBC Bank USA's rate of 10.3% is near the national average.

Question 3

Where does this lending data come from?

Accepted Answer

SBA 7(a) loan records released under the Freedom of Information Act. Each record includes approval date, amount, lender, borrower business type, NAICS code, location, and outcome (paid-in-full, charged-off, active). We match each franchise loan to a brand using normalized name matching. Methodology details at /methodology.

Question 4

Which franchise brands does CIBC Bank USA fund the most?

Accepted Answer

The "Top franchise exposures" table on this page lists the brands CIBC Bank USA has the largest concentration in by loan count. Click any brand to see its full FDD-disclosed financials, growth trajectory, and brand-specific SBA loan performance across all lenders.

Franchise	Loans	Volume	Default %
Senior Helpers	23	$8.6M	0.0% (low risk)
Visiting Angels	10	$4.0M	0.0% (low risk)
Right at Home	4	$589K	0.0% (low risk)
ComForCare Home Care	4	$2.8M	N/A
Home Instead/Home Instead Seni	4	$1.4M	0.0% (low risk)
SYNERGY HomeCare	4	$1.9M	0.0% (low risk)
Comfort Keepers	4	$3.1M	0.0% (low risk)
Servpro	4	$5.5M	0.0% (low risk)
AAMCO Transmissions	4	$3.0M	N/A
Snap Fitness	3	$440K	33.3% (very high risk)
Amada Senior Care	3	$3.8M	0.0% (low risk)
Screenmobile	3	$780K	N/A
The UPS Store (f/k/a Mail Box	3	$1.7M	N/A
Dinner A'fare (the)	2	$278K	50.0% (very high risk)
Johnny's New York Style Pizza	2	$378K	0.0% (low risk)
Firkin Pubs	2	$800K	100.0% (very high risk)
Home Instead Senior Care	2	$3.9M	0.0% (low risk)
Edible Arrangements	2	$405K	N/A
BrightStar Care	2	$1.0M	0.0% (low risk)
Bright Star Healthcare/Brights	2	$696K	0.0% (low risk)

CIBC Bank USA

Top franchise exposures

Lending volume by year

Geographic exposure

Portfolio summary

Frequently asked questions