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SBA 7(a) franchise lending portfolio
CIBC Bank USA
AVERAGE risk
- Total loans
- 127
- Loan volume
- $66.6M
- Avg loan size
- $525K
- Default rate
- 10.3%
- vs 15.4% national avg
Defaults
4
Avg interest
7.60%
Franchises funded
46
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Senior Helpers | 23 | $8.6M | 0.0% |
| Visiting Angels | 10 | $4.0M | 0.0% |
| Right at Home | 4 | $589K | 0.0% |
| ComForCare Home Care | 4 | $2.8M | — |
| Home Instead/Home Instead Seni | 4 | $1.4M | 0.0% |
| SYNERGY HomeCare | 4 | $1.9M | 0.0% |
| Comfort Keepers | 4 | $3.1M | 0.0% |
| Servpro | 4 | $5.5M | 0.0% |
| AAMCO Transmissions | 4 | $3.0M | — |
| Snap Fitness | 3 | $440K | 33.3% |
| Amada Senior Care | 3 | $3.8M | 0.0% |
| Screenmobile | 3 | $780K | — |
| The UPS Store (f/k/a Mail Box | 3 | $1.7M | — |
| Dinner A'fare (the) | 2 | $278K | 50.0% |
| Johnny's New York Style Pizza | 2 | $378K | 0.0% |
| Firkin Pubs | 2 | $800K | 100.0% |
| Home Instead Senior Care | 2 | $3.9M | 0.0% |
| Edible Arrangements | 2 | $405K | — |
| BrightStar Care | 2 | $1.0M | 0.0% |
| Bright Star Healthcare/Brights | 2 | $696K | 0.0% |
Lending volume by year
3'04
3'06
5'07
2'08
2'09
4'17
11'18
3'19
18'20
19'21
14'22
8'23
18'24
17'25
CIBC Bank USA default rate by loan vintage
BrandNational avg
Geographic exposure
2426.7%
130.0%
110.0%
80.0%
70.0%
70.0%
60.0%
5—
50.0%
Portfolio summary
Total funded$66.6M
Defaults4 of 127
Risk tierAVERAGE
Avg rate7.60%
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%).