CB
SBA 7(a) franchise lending portfolio
CIBM Bank
AVERAGE risk
- Total loans
- 35
- Loan volume
- $38.6M
- Avg loan size
- $1.1M
- Charge-off rate
- 10.7%
- vs 15.4% national avg
Defaults
3
Avg interest
6.89%
Franchises funded
25
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Days Inn by Wyndham | 4 | $10.4M | 0.0% (low risk) |
| Quality Inn by Choice Hotels / | 3 | $9.8M | 0.0% (low risk) |
| Steamatic Restoration and Clea | 3 | $519K | N/A |
| Culver's Frozen Custard | 2 | $700K | 0.0% (low risk) |
| Dairy Queen | 2 | $1.3M | 0.0% (low risk) |
| Jimmy John's | 2 | $620K | 0.0% (low risk) |
| Bresler's Ice Cream & Yogurt S | 1 | $55K | 100.0% (very high risk) |
| Blimpie | 1 | $101K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $165K | 0.0% (low risk) |
| Best Western Inn | 1 | $900K | 0.0% (low risk) |
| Steamatic Carpet Cleaning | 1 | $100K | 0.0% (low risk) |
| True Value Hardware | 1 | $500K | 0.0% (low risk) |
| Ramada Inn | 1 | $915K | 0.0% (low risk) |
| Decorating Den System | 1 | $35K | 0.0% (low risk) |
| Cookies By Design | 1 | $70K | 0.0% (low risk) |
| Molly Maid | 1 | $45K | 0.0% (low risk) |
| Hobbytown Usa | 1 | $145K | 0.0% (low risk) |
| Quiznos | 1 | $106K | 100.0% (very high risk) |
| Merle Norman Cosmetics | 1 | $330K | 0.0% (low risk) |
| Super 8 | 1 | $2.8M | 0.0% (low risk) |
Lending volume by year
2'93
4'94
3'95
2'96
3'97
1'06
1'08
1'10
1'13
1'15
2'17
6'18
3'19
1'20
1'21
1'22
1'23
1'25
CIBM Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
2011.8% (elevated risk)
50.0% (low risk)
350.0% (very high risk)
10.0% (low risk)
10.0% (low risk)
10.0% (low risk)
1N/A
10.0% (low risk)
10.0% (low risk)
1N/A
Portfolio summary
Total funded$38.6M
Defaults3 of 35
Risk tierAVERAGE
Avg rate6.89%
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 CIBM Bank originated?
- 35 loans totaling $38.6M. The portfolio carries a 10.7% 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). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- 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 CIBM Bank fund the most?
- The “Top franchise exposures” table above lists the brands CIBM Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.