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SBA 7(a) franchise lending portfolio
CitiCapital Small Business Finance, Inc.
Risk rating: High Risk
- Total loans
- 239
- Loan volume
- $37.8M
- Avg loan size
- $158K
- Charge-off rate
- 53.1%
- vs 16.0% national
Charged off
121
Avg interest
N/A
Franchises funded
49
Risk rating
High Risk
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Matco Tools (rent Tools) | 145 | $8.3M | 59.1% (high risk) |
| Cottman Transmission | 15 | $1.7M | 40.0% (high risk) |
| Golf Etc. | 12 | $1.2M | 72.7% (high risk) |
| Petland | 5 | $1.8M | N/A |
| Smoothie King (health Food Sto | 4 | $460K | N/A |
| Schlotzsky's Sandwich Shop | 3 | $606K | N/A |
| Marble Slab Creamery | 3 | $488K | N/A |
| Certa Propainters | 3 | $105K | N/A |
| Blimpie | 3 | $710K | N/A |
| Grandy's | 3 | $423K | N/A |
| Colter's Bar-B-Q | 2 | $460K | N/A |
| Quality Inn | 2 | $2.1M | N/A |
| Best Western Inn | 2 | $3.0M | N/A |
| Mail Boxes Etc. Usa | 2 | $259K | N/A |
| Holiday Inn Express | 1 | $1.1M | N/A |
| Comfort Inn | 1 | $1.6M | N/A |
| Dentist's Choice (the) | 1 | $65K | N/A |
| Jack-In-The-Box | 1 | $680K | N/A |
| Harley Davidson | 1 | $968K | N/A |
| Boil Weevil | 1 | $230K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 7 |
| FY1993 | 4 |
| FY1994 | 2 |
| FY1995 | 4 |
| FY1996 | 2 |
| FY1998 | 34 |
| FY1999 | 61 |
| FY2000 | 82 |
| FY2001 | 43 |
SBA 7(a) · charge-off rate by approval year
CitiCapital Small Business Finance, Inc.: above all franchise loans in each of the 4 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 7 | 0 | Too few |
| 1993 | 4 | 0 | Too few |
| 1995 | 4 | 2 | Too few |
| 1998 | 32 | 21 | 65.6% |
| 1999 | 55 | 32 | 58.2% |
| 2000 | 80 | 37 | 46.2% |
| 2001 | 42 | 28 | 66.7% |
Dashed line: all franchise 7(a) loans approved the same year.
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.
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 “High Risk” 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. CitiCapital Small Business Finance, Inc.'s rate of 53.1% is above 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 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.