SBA 7(a) franchise lending portfolio
Commonwealth Business Bank
- Total loans
- 386
- Loan volume
- $771.8M
- Avg loan size
- $2.0M
- Charge-off rate
- 3.0%
- vs 16.0% national
Charged off
6
Avg interest
5.93%
Franchises funded
181
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Super 8 | 13 | $27.5M | N/A |
| Motel 6 | 13 | $32.6M | N/A |
| Christensen Inc. dba Powell Pr | 10 | $19.7M | N/A |
| AM/PM Mini-Mart Agreement - AR | 9 | $21.0M | N/A |
| La Quinta by Wyndham a.k.a. La | 9 | $36.3M | N/A |
| Chevron (gas Station) | 8 | $12.3M | N/A |
| Golden Chick | 8 | $15.2M | N/A |
| Phillips 66 Branded Reseller A | 8 | $22.0M | N/A |
| Days Inn | 7 | $15.3M | N/A |
| Comfort/ Comfort Inn & Suites/ | 7 | $19.3M | N/A |
| Quality Inn by Choice Hotels / | 7 | $23.1M | N/A |
| Quality Inn/Quality Suites, Ho | 7 | $15.8M | N/A |
| Econo Lodge | 6 | $11.5M | N/A |
| Skyzone | 5 | $6.6M | N/A |
| Boyett Petroleum - (76 Brand) | 5 | $12.1M | N/A |
| Chevron - Retail Supply Contra | 5 | $8.2M | N/A |
| Americas Best Value Inn (f/K/A | 4 | $4.6M | N/A |
| Ampm Mini Market- Arco | 4 | $9.4M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2006 | 2 |
| FY2007 | 3 |
| FY2011 | 4 |
| FY2012 | 3 |
| FY2013 | 13 |
| FY2014 | 35 |
| FY2015 | 22 |
| FY2016 | 25 |
| FY2017 | 29 |
| FY2018 | 37 |
| FY2019 | 34 |
| FY2020 | 33 |
| FY2021 | 54 |
| FY2022 | 46 |
| FY2023 | 12 |
| FY2024 | 15 |
| FY2025 | 14 |
| FY2026 | 5 |
SBA 7(a) · charge-off rate by approval year
Commonwealth Business Bank: below all franchise loans in each of the 9 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 |
|---|---|---|---|
| 2007 | 3 | 2 | Too few |
| 2011 | 4 | 0 | Too few |
| 2012 | 3 | 0 | Too few |
| 2013 | 12 | 0 | 0.0% |
| 2014 | 32 | 2 | 6.2% |
| 2015 | 19 | 1 | 5.3% |
| 2016 | 19 | 0 | 0.0% |
| 2017 | 17 | 0 | 0.0% |
| 2018 | 21 | 0 | 0.0% |
| 2019 | 18 | 0 | 0.0% |
| 2020 | 19 | 0 | 0.0% |
| 2021 | 21 | 0 | 0.0% |
| 2022 | 9 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
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). 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. Commonwealth Business Bank's rate of 3.0% 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 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.