CN
SBA 7(a) franchise lending portfolio
COFSB, National Association
EXCELLENT risk
- Total loans
- 49
- Loan volume
- $2.6M
- Avg loan size
- $54K
- Charge-off rate
- 4.1%
- vs 15.4% national avg
Defaults
2
Avg interest
N/A
Franchises funded
38
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 7 | $285K | 0.0% (low risk) |
| Baskin-Robbins 31 Ice Cream | 3 | $200K | 0.0% (low risk) |
| Ramada Inn | 2 | $100K | 0.0% (low risk) |
| Dunkin Donuts | 2 | $200K | 0.0% (low risk) |
| Blimpie | 2 | $110K | 0.0% (low risk) |
| Aim Mail Center | 1 | $50K | 0.0% (low risk) |
| Matco Tools (rent Tools) | 1 | $25K | 0.0% (low risk) |
| MAACO Auto Painting Center | 1 | $50K | 0.0% (low risk) |
| Post Net | 1 | $35K | 0.0% (low risk) |
| Rita's Real Italian Water Ice | 1 | $25K | 0.0% (low risk) |
| Super 8 Motel | 1 | $50K | 0.0% (low risk) |
| Zaxby's | 1 | $50K | 0.0% (low risk) |
| Reality Executive Internationa | 1 | $35K | 0.0% (low risk) |
| Fox's Pizza Den | 1 | $50K | 0.0% (low risk) |
| Management Recruiters | 1 | $35K | 0.0% (low risk) |
| Liberty Tax Service | 1 | $35K | 0.0% (low risk) |
| Sylvan Learning Center | 1 | $125K | 0.0% (low risk) |
| Max Muscle | 1 | $50K | 100.0% (very high risk) |
| Comfort Inn | 1 | $50K | 0.0% (low risk) |
| Days Inn | 1 | $50K | 0.0% (low risk) |
Lending volume by year
1'02
9'03
20'04
17'05
2'07
COFSB, National Association charge-off rate by loan vintage
BrandNational avg
Geographic exposure
1020.0% (very high risk)
60.0% (low risk)
30.0% (low risk)
20.0% (low risk)
20.0% (low risk)
20.0% (low risk)
20.0% (low risk)
20.0% (low risk)
20.0% (low risk)
20.0% (low risk)
Portfolio summary
Total funded$2.6M
Defaults2 of 49
Risk tierEXCELLENT
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 COFSB, National Association originated?
- 49 loans totaling $2.6M. The portfolio carries a 4.1% 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 COFSB, National Association fund the most?
- The “Top franchise exposures” table above lists the brands COFSB, 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.