CB
SBA 7(a) franchise lending portfolio
Commercial Bank of California
AVERAGE risk
- Total loans
- 74
- Loan volume
- $121.2M
- Avg loan size
- $1.6M
- Charge-off 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% (low risk) |
| Econo Lodge by Choice Hotels/E | 5 | $9.0M | 0.0% (low risk) |
| Americas Best Value Inn (f/K/A | 3 | $4.8M | 0.0% (low risk) |
| Days Inn by Wyndham | 3 | $5.7M | N/A |
| AAMCO Transmissions | 2 | $300K | 50.0% (very high risk) |
| Yogurtland | 2 | $779K | 0.0% (low risk) |
| Studio 6 | 2 | $6.4M | 0.0% (low risk) |
| Comfort/ Comfort Inn & Suites/ | 2 | $7.0M | 0.0% (low risk) |
| La Quinta Inn | 2 | $9.6M | 0.0% (low risk) |
| Best Western Inn | 2 | $5.7M | 0.0% (low risk) |
| Motel 6 | 2 | $3.1M | 0.0% (low risk) |
| Best Western - Membership Agre | 2 | $6.2M | N/A |
| Popeyes Louisiana Kitchen | 2 | $4.0M | N/A |
| Rodeway Inn by Choice Hotels/R | 2 | $7.8M | 0.0% (low risk) |
| Travelodge by Wyndham | 2 | $4.9M | N/A |
| Motel 6 | 2 | $6.1M | 0.0% (low risk) |
| Ben & Jerry's Ice Cream | 1 | $900K | 0.0% (low risk) |
| Melt Cafe & Gelato Bar | 1 | $200K | 100.0% (very high risk) |
| Baskin-Robbins | 1 | $280K | 0.0% (low risk) |
| Gymboree | 1 | $70K | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
5511.6% (elevated risk)
3N/A
20.0% (low risk)
20.0% (low risk)
1N/A
1N/A
1N/A
1N/A
1N/A
1N/A
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
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 Commercial Bank of California originated?
- 74 loans totaling $121.2M. The portfolio carries a 10.6% 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 Commercial Bank of California fund the most?
- The “Top franchise exposures” table above lists the brands Commercial Bank of California has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.