CS
SBA 7(a) franchise lending portfolio
CitiCapital Small Business Finance, Inc.
CRITICAL risk
- Total loans
- 239
- Loan volume
- $37.8M
- Avg loan size
- $158K
- Charge-off rate
- 53.1%
- vs 15.4% national avg
Defaults
121
Avg interest
N/A
Franchises funded
49
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Matco Tools (rent Tools) | 145 | $8.3M | 59.1% (very high risk) |
| Cottman Transmission | 15 | $1.7M | 40.0% (very high risk) |
| Golf Etc. | 12 | $1.2M | 72.7% (very high risk) |
| Petland | 5 | $1.8M | 60.0% (very high risk) |
| Smoothie King (health Food Sto | 4 | $460K | 50.0% (very high risk) |
| Schlotzsky's Sandwich Shop | 3 | $606K | 66.7% (very high risk) |
| Marble Slab Creamery | 3 | $488K | 0.0% (low risk) |
| Certa Propainters | 3 | $105K | 66.7% (very high risk) |
| Blimpie | 3 | $710K | 100.0% (very high risk) |
| Grandy's | 3 | $423K | 0.0% (low risk) |
| Colter's Bar-B-Q | 2 | $460K | 50.0% (very high risk) |
| Quality Inn | 2 | $2.1M | 50.0% (very high risk) |
| Best Western Inn | 2 | $3.0M | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 2 | $259K | 50.0% (very high risk) |
| Holiday Inn Express | 1 | $1.1M | 0.0% (low risk) |
| Comfort Inn | 1 | $1.6M | 0.0% (low risk) |
| Dentist's Choice (the) | 1 | $65K | N/A |
| Jack-In-The-Box | 1 | $680K | 0.0% (low risk) |
| Harley Davidson | 1 | $968K | 0.0% (low risk) |
| Boil Weevil | 1 | $230K | 0.0% (low risk) |
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. charge-off rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Geographic exposure
4554.8% (very high risk)
3220.0% (very high risk)
1656.2% (very high risk)
1154.5% (very high risk)
862.5% (very high risk)
850.0% (very high risk)
885.7% (very high risk)
750.0% (very high risk)
728.6% (very high risk)
714.3% (elevated risk)
Portfolio summary
Total funded$37.8M
Defaults121 of 239
Risk tierCRITICAL
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 CitiCapital Small Business Finance, Inc. originated?
- 239 loans totaling $37.8M. The portfolio carries a 53.1% charge-off rate, earning a “CRITICAL” 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 CitiCapital Small Business Finance, Inc. fund the most?
- The “Top franchise exposures” table above lists the brands CitiCapital Small Business Finance, Inc. has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.