![CitiCapital Small Business Finance, Inc. logo](https://cdn.brandfetch.io/citicapitalsmallbusinessfinance.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
CitiCapital Small Business Finance, Inc.
CRITICAL risk
- Total loans
- 239
- Loan volume
- $37.8M
- Avg loan size
- $158K
- Default rate
- 53.1%
- vs 15.4% national avg
Defaults
121
Avg interest
—
Franchises funded
49
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Matco Tools (rent Tools) | 145 | $8.3M | 59.1% |
| Cottman Transmission | 15 | $1.7M | 40.0% |
| Golf Etc. | 12 | $1.2M | 72.7% |
| Petland | 5 | $1.8M | 60.0% |
| Smoothie King (health Food Sto | 4 | $460K | 50.0% |
| Schlotzsky's Sandwich Shop | 3 | $606K | 66.7% |
| Marble Slab Creamery | 3 | $488K | 0.0% |
| Certa Propainters | 3 | $105K | 66.7% |
| Blimpie | 3 | $710K | 100.0% |
| Grandy's | 3 | $423K | 0.0% |
| Colter's Bar-B-Q | 2 | $460K | 50.0% |
| Quality Inn | 2 | $2.1M | 50.0% |
| Best Western Inn | 2 | $3.0M | 0.0% |
| Mail Boxes Etc. Usa | 2 | $259K | 50.0% |
| Holiday Inn Express | 1 | $1.1M | 0.0% |
| Comfort Inn | 1 | $1.6M | 0.0% |
| Dentist's Choice (the) | 1 | $65K | — |
| Jack-In-The-Box | 1 | $680K | 0.0% |
| Harley Davidson | 1 | $968K | 0.0% |
| Boil Weevil | 1 | $230K | 0.0% |
Lending volume by year
7'92
4'93
2'94
4'95
2'96
34'98
61'99
82'00
43'01
CitiCapital Small Business Finance, Inc. default rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
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%).