CB
SBA 7(a) franchise lending portfolio
CIBC Bank USA
Risk rating: Average
- Total loans
- 127
- Loan volume
- $66.6M
- Avg loan size
- $525K
- Charge-off rate
- 10.3%
- vs 16.0% national
Charged off
4
Avg interest
7.60%
Franchises funded
46
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Senior Helpers | 23 | $8.6M | N/A |
| Visiting Angels | 10 | $4.0M | N/A |
| Home Instead/Home Instead Seni | 6 | $5.3M | N/A |
| Right at Home | 4 | $589K | N/A |
| ComForCare Home Care | 4 | $2.8M | N/A |
| SYNERGY HomeCare | 4 | $1.9M | N/A |
| Comfort Keepers | 4 | $3.1M | N/A |
| Servpro | 4 | $5.5M | N/A |
| AAMCO Transmissions | 4 | $3.0M | N/A |
| BrightStar Care | 4 | $1.7M | N/A |
| Snap Fitness | 3 | $440K | N/A |
| Amada Senior Care | 3 | $3.8M | N/A |
| Screenmobile | 3 | $780K | N/A |
| The UPS Store (f/k/a Mail Box | 3 | $1.7M | N/A |
| Dinner A'fare (the) | 2 | $278K | N/A |
| Johnny's New York Style Pizza | 2 | $378K | N/A |
| Firkin Pubs | 2 | $800K | N/A |
| Edible Arrangements | 2 | $405K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2004 | 3 |
| FY2006 | 3 |
| FY2007 | 5 |
| FY2008 | 2 |
| FY2009 | 2 |
| FY2017 | 4 |
| FY2018 | 11 |
| FY2019 | 3 |
| FY2020 | 18 |
| FY2021 | 19 |
| FY2022 | 14 |
| FY2023 | 8 |
| FY2024 | 18 |
| FY2025 | 17 |
SBA 7(a) · charge-off rate by approval year
CIBC Bank USA charge-off rate by loan vintage
Only 1 of these 8 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2004 | 3 | 1 | Too few |
| 2006 | 3 | 1 | Too few |
| 2007 | 5 | 1 | Too few |
| 2018 | 3 | 0 | Too few |
| 2019 | 3 | 0 | Too few |
| 2020 | 10 | 0 | 0.0% |
| 2021 | 3 | 0 | Too early |
| 2022 | 4 | 0 | Too early |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
2426.7% (high risk)
130.0% (excellent)
110.0% (excellent)
8N/A
7N/A
7N/A
6N/A
6N/A
5N/A
5N/A
Portfolio summary
Total funded$66.6M
Charged off4 of 127
Risk tierAverage
Avg rate7.60%
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 CIBC Bank USA originated?
- 127 loans totaling $66.6M. The portfolio carries a 10.3% charge-off rate, earning a “Average” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. CIBC Bank USA's rate of 10.3% is below the national rate.
- 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 CIBC Bank USA fund the most?
- The “Top franchise exposures” table above lists the brands CIBC Bank USA has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.