CB
SBA 7(a) franchise lending portfolio
Commerce Bank
AVERAGE risk
- Total loans
- 183
- Loan volume
- $28.9M
- Avg loan size
- $158K
- Charge-off rate
- 12.3%
- vs 15.4% national avg
Defaults
21
Avg interest
6.10%
Franchises funded
112
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 16 | $2.1M | 0.0% (low risk) |
| Quiznos | 7 | $1.1M | 14.3% (elevated risk) |
| Mail Boxes Etc. Usa | 4 | $500K | 0.0% (low risk) |
| Massage Envy | 4 | $823K | 0.0% (low risk) |
| Cold Stone Creamery, Inc. | 4 | $685K | 0.0% (low risk) |
| Carquest | 4 | $2.1M | 0.0% (low risk) |
| Children's Orchard (retail Clo | 3 | $245K | 0.0% (low risk) |
| Mr. Goodcents Sub' And Pasta | 3 | $170K | 0.0% (low risk) |
| Sno Biz | 3 | $93K | 0.0% (low risk) |
| Great Clips | 3 | $247K | 0.0% (low risk) |
| Domino's Pizza | 3 | $105K | 0.0% (low risk) |
| Penn Station, Inc. | 3 | $917K | 0.0% (low risk) |
| Marble Slab Creamery | 3 | $754K | 0.0% (low risk) |
| Curves For Women | 3 | $207K | 0.0% (low risk) |
| Cartridge World | 3 | $300K | 0.0% (low risk) |
| Servpro | 2 | $149K | 0.0% (low risk) |
| Taylor Rental Center | 2 | $223K | 0.0% (low risk) |
| Blimpie | 2 | $141K | 50.0% (very high risk) |
| Bassett's Original Turkey (res | 2 | $416K | 100.0% (very high risk) |
| True Value Hardware | 2 | $800K | 0.0% (low risk) |
Lending volume by year
5'92
3
9
14
8
9'97
4
8
4
4
5'02
11
8
15
8
11'07
7
4
3
1
2'12
2
1
5
6
1'17
2
4
2
3
2'22
4
6
2'25
Commerce Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$28.9M
Defaults21 of 183
Risk tierAVERAGE
Avg rate6.10%
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 Commerce Bank originated?
- 183 loans totaling $28.9M. The portfolio carries a 12.3% charge-off rate, earning a “AVERAGE” 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 Commerce Bank fund the most?
- The “Top franchise exposures” table above lists the brands Commerce 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.