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SBA 7(a) franchise lending portfolio
CIBM Bank
AVERAGE risk
- Total loans
- 35
- Loan volume
- $38.6M
- Avg loan size
- $1.1M
- Default 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% |
| Quality Inn by Choice Hotels / | 3 | $9.8M | 0.0% |
| Steamatic Restoration and Clea | 3 | $519K | — |
| Culver's Frozen Custard | 2 | $700K | 0.0% |
| Dairy Queen | 2 | $1.3M | 0.0% |
| Jimmy John's | 2 | $620K | 0.0% |
| Bresler's Ice Cream & Yogurt S | 1 | $55K | 100.0% |
| Blimpie | 1 | $101K | 0.0% |
| Subway Sandwich Shop | 1 | $165K | 0.0% |
| Best Western Inn | 1 | $900K | 0.0% |
| Steamatic Carpet Cleaning | 1 | $100K | 0.0% |
| True Value Hardware | 1 | $500K | 0.0% |
| Ramada Inn | 1 | $915K | 0.0% |
| Decorating Den System | 1 | $35K | 0.0% |
| Cookies By Design | 1 | $70K | 0.0% |
| Molly Maid | 1 | $45K | 0.0% |
| Hobbytown Usa | 1 | $145K | 0.0% |
| Quiznos | 1 | $106K | 100.0% |
| Merle Norman Cosmetics | 1 | $330K | 0.0% |
| Super 8 | 1 | $2.8M | 0.0% |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
2011.8%
50.0%
350.0%
10.0%
10.0%
10.0%
10.0%
10.0%
1—
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
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%).