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SBA 7(a) franchise lending portfolio
Commercial Bank of California
AVERAGE risk
- Total loans
- 74
- Loan volume
- $121.2M
- Avg loan size
- $1.6M
- Default rate
- 10.6%
- vs 15.4% national avg
Defaults
5
Avg interest
6.25%
Franchises funded
49
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Black Bear Diners | 6 | $8.1M | 0.0% |
| Econo Lodge by Choice Hotels/E | 5 | $9.0M | 0.0% |
| Americas Best Value Inn (f/K/A | 3 | $4.8M | 0.0% |
| Days Inn by Wyndham | 3 | $5.7M | — |
| AAMCO Transmissions | 2 | $300K | 50.0% |
| Yogurtland | 2 | $779K | 0.0% |
| Studio 6 | 2 | $6.4M | 0.0% |
| Comfort/ Comfort Inn & Suites/ | 2 | $7.0M | 0.0% |
| La Quinta Inn | 2 | $9.6M | 0.0% |
| Best Western Inn | 2 | $5.7M | 0.0% |
| Motel 6 | 2 | $3.1M | 0.0% |
| Best Western - Membership Agre | 2 | $6.2M | — |
| Popeyes Louisiana Kitchen | 2 | $4.0M | — |
| Rodeway Inn by Choice Hotels/R | 2 | $7.8M | 0.0% |
| Travelodge by Wyndham | 2 | $4.9M | — |
| Motel 6 | 2 | $6.1M | 0.0% |
| Ben & Jerry's Ice Cream | 1 | $900K | 0.0% |
| Melt Cafe & Gelato Bar | 1 | $200K | 100.0% |
| Baskin-Robbins | 1 | $280K | 0.0% |
| Gymboree | 1 | $70K | 0.0% |
Lending volume by year
1'92
1
2
1
3
1'09
1
2
1
3
2'14
9
5
11
8
3'19
3
6
3
2
2'24
2
2'26
Commercial Bank of California default rate by loan vintage
BrandNational avg
Geographic exposure
5511.6%
3—
20.0%
20.0%
1—
1—
1—
1—
Portfolio summary
Total funded$121.2M
Defaults5 of 74
Risk tierAVERAGE
Avg rate6.25%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default 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%), Critical (>20%).