SBA 7(a) franchise lending portfolio
Commerce Bank
- Total loans
- 183
- Loan volume
- $28.9M
- Avg loan size
- $158K
- Charge-off rate
- 12.3%
- vs 16.0% national
Charged off
21
Avg interest
6.10%
Franchises funded
112
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 16 | $2.1M | 0.0% (excellent) |
| Quiznos | 7 | $1.1M | N/A |
| Mail Boxes Etc. Usa | 4 | $500K | N/A |
| Massage Envy | 4 | $823K | N/A |
| Cold Stone Creamery, Inc. | 4 | $685K | N/A |
| Carquest | 4 | $2.1M | N/A |
| Children's Orchard (retail Clo | 3 | $245K | N/A |
| Mr. Goodcents Sub' And Pasta | 3 | $170K | N/A |
| Sno Biz | 3 | $93K | N/A |
| Great Clips | 3 | $247K | N/A |
| Domino's Pizza | 3 | $105K | N/A |
| Penn Station, Inc. | 3 | $917K | N/A |
| Marble Slab Creamery | 3 | $754K | N/A |
| Curves For Women | 3 | $207K | N/A |
| Cartridge World | 3 | $300K | N/A |
| Servpro | 2 | $149K | N/A |
| Taylor Rental Center | 2 | $223K | N/A |
| Blimpie | 2 | $141K | N/A |
| Bassett's Original Turkey (res | 2 | $416K | N/A |
| True Value Hardware | 2 | $800K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 5 |
| FY1993 | 3 |
| FY1994 | 9 |
| FY1995 | 14 |
| FY1996 | 8 |
| FY1997 | 9 |
| FY1998 | 4 |
| FY1999 | 8 |
| FY2000 | 4 |
| FY2001 | 4 |
| FY2002 | 5 |
| FY2003 | 11 |
| FY2004 | 8 |
| FY2005 | 15 |
| FY2006 | 8 |
| FY2007 | 11 |
| FY2008 | 7 |
| FY2009 | 4 |
| FY2010 | 3 |
| FY2011 | 1 |
| FY2012 | 2 |
| FY2013 | 2 |
| FY2014 | 1 |
| FY2015 | 5 |
| FY2016 | 6 |
| FY2017 | 1 |
| FY2018 | 2 |
| FY2019 | 4 |
| FY2020 | 2 |
| FY2021 | 3 |
| FY2022 | 2 |
| FY2023 | 4 |
| FY2024 | 6 |
| FY2025 | 2 |
SBA 7(a) · charge-off rate by approval year
Commerce Bank: below 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; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 5 | 1 | Too few |
| 1993 | 3 | 1 | Too few |
| 1994 | 9 | 1 | Too few |
| 1995 | 14 | 1 | 7.1% |
| 1996 | 8 | 2 | Too few |
| 1997 | 9 | 0 | Too few |
| 1998 | 4 | 2 | Too few |
| 1999 | 8 | 1 | Too few |
| 2000 | 4 | 1 | Too few |
| 2001 | 4 | 1 | Too few |
| 2002 | 5 | 0 | Too few |
| 2003 | 11 | 0 | 0.0% |
| 2004 | 8 | 1 | Too few |
| 2005 | 15 | 1 | 6.7% |
| 2006 | 8 | 3 | Too few |
| 2007 | 11 | 1 | 9.1% |
| 2008 | 7 | 2 | Too few |
| 2009 | 4 | 0 | Too few |
| 2010 | 3 | 1 | Too few |
| 2015 | 5 | 0 | Too few |
| 2016 | 6 | 1 | Too few |
| 2019 | 4 | 0 | Too few |
| 2021 | 3 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
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). 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. Commerce Bank's rate of 12.3% is below 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 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.