CB
SBA 7(a) franchise lending portfolio
Commonwealth Business Bank
EXCELLENT risk
- Total loans
- 386
- Loan volume
- $771.8M
- Avg loan size
- $2.0M
- Charge-off rate
- 3.0%
- vs 15.4% national avg
Defaults
6
Avg interest
5.93%
Franchises funded
181
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Christensen Inc. dba Powell Pr | 10 | $19.7M | 0.0% (low risk) |
| AM/PM Mini-Mart Agreement - AR | 9 | $21.0M | 0.0% (low risk) |
| Super 8 | 9 | $14.6M | 0.0% (low risk) |
| La Quinta by Wyndham a.k.a. La | 9 | $36.3M | 0.0% (low risk) |
| Chevron (gas Station) | 8 | $12.3M | 0.0% (low risk) |
| Golden Chick | 8 | $15.2M | 0.0% (low risk) |
| Motel 6 | 8 | $20.8M | 0.0% (low risk) |
| Phillips 66 Branded Reseller A | 8 | $22.0M | 0.0% (low risk) |
| Days Inn | 7 | $15.3M | 0.0% (low risk) |
| Comfort/ Comfort Inn & Suites/ | 7 | $19.3M | 0.0% (low risk) |
| Quality Inn by Choice Hotels / | 7 | $23.1M | 50.0% (very high risk) |
| Quality Inn/Quality Suites, Ho | 7 | $15.8M | 0.0% (low risk) |
| Econo Lodge | 6 | $11.5M | 0.0% (low risk) |
| Motel 6 | 5 | $11.8M | 0.0% (low risk) |
| Skyzone | 5 | $6.6M | 0.0% (low risk) |
| Boyett Petroleum - (76 Brand) | 5 | $12.1M | 0.0% (low risk) |
| Chevron - Retail Supply Contra | 5 | $8.2M | 0.0% (low risk) |
| Americas Best Value Inn (f/K/A | 4 | $4.6M | 0.0% (low risk) |
| Ampm Mini Market- Arco | 4 | $9.4M | 0.0% (low risk) |
| Super 8 by Wyndhan | 4 | $12.9M | 0.0% (low risk) |
Lending volume by year
2'06
3'07
4'11
3'12
13'13
35'14
22'15
25'16
29'17
37'18
34'19
33'20
54'21
46'22
12'23
15'24
14'25
5'26
Commonwealth Business Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
1215.4% (moderate risk)
964.0% (low risk)
440.0% (low risk)
250.0% (low risk)
130.0% (low risk)
120.0% (low risk)
80.0% (low risk)
60.0% (low risk)
60.0% (low risk)
50.0% (low risk)
Portfolio summary
Total funded$771.8M
Defaults6 of 386
Risk tierEXCELLENT
Avg rate5.93%
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 Commonwealth Business Bank originated?
- 386 loans totaling $771.8M. The portfolio carries a 3.0% 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 Commonwealth Business Bank fund the most?
- The “Top franchise exposures” table above lists the brands Commonwealth Business 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.