CC
SBA 7(a) franchise lending portfolio
Coastal Community Bank
EXCELLENT risk
- Total loans
- 10
- Loan volume
- $11.0M
- Avg loan size
- $1.1M
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.58%
Franchises funded
10
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Ampm Mini Market- Arco | 1 | $1.2M | 0.0% (low risk) |
| Gold's Gym | 1 | $4.8M | 0.0% (low risk) |
| Jet City Pizza Co | 1 | $761K | 0.0% (low risk) |
| Menchie's | 1 | $260K | 0.0% (low risk) |
| Real Deals On Home Decor | 1 | $109K | 0.0% (low risk) |
| Econo Lodge by Choice Hotels/E | 1 | $1.9M | 0.0% (low risk) |
| Units | 1 | $904K | 0.0% (low risk) |
| Wienerschnitzel / Der Wienersc | 1 | $100K | 0.0% (low risk) |
| Anytime Fitness | 1 | $432K | 0.0% (low risk) |
| Wienerschnitzel | 1 | $481K | N/A |
Lending volume by year
1'11
1'12
1'13
1'14
4'15
1'19
1'20
Geographic exposure
100.0% (low risk)
Portfolio summary
Total funded$11.0M
Defaults0 of 10
Risk tierEXCELLENT
Avg rate5.58%
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 Coastal Community Bank originated?
- 10 loans totaling $11.0M. 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 Coastal Community Bank fund the most?
- The “Top franchise exposures” table above lists the brands Coastal Community Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.