CB
SBA 7(a) franchise lending portfolio
Clare Bank, National Association
EXCELLENT risk
- Total loans
- 11
- Loan volume
- $12.6M
- Avg loan size
- $1.1M
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.70%
Franchises funded
4
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Bee Hive Homes | 4 | $4.6M | 0.0% (low risk) |
| A&w | 3 | $2.4M | N/A |
| Bee Hive Homes Of America | 2 | $1.7M | 0.0% (low risk) |
| Bee Hive Homes | 2 | $3.9M | 0.0% (low risk) |
Lending volume by year
1'09
1'11
1'14
1'15
1'16
1'18
3'19
1'21
1'24
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 Clare Bank, National Association originated?
- 11 loans totaling $12.6M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Clare Bank, National Association fund the most?
- The “Top franchise exposures” table above lists the brands Clare Bank, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.