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SBA 7(a) franchise lending portfolio
Commonwealth Business Bank
EXCELLENT risk
- Total loans
- 386
- Loan volume
- $771.8M
- Avg loan size
- $2.0M
- Default 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% |
| AM/PM Mini-Mart Agreement - AR | 9 | $21.0M | 0.0% |
| Super 8 | 9 | $14.6M | 0.0% |
| La Quinta by Wyndham a.k.a. La | 9 | $36.3M | 0.0% |
| Chevron (gas Station) | 8 | $12.3M | 0.0% |
| Golden Chick | 8 | $15.2M | 0.0% |
| Motel 6 | 8 | $20.8M | 0.0% |
| Phillips 66 Branded Reseller A | 8 | $22.0M | 0.0% |
| Days Inn | 7 | $15.3M | 0.0% |
| Comfort/ Comfort Inn & Suites/ | 7 | $19.3M | 0.0% |
| Quality Inn by Choice Hotels / | 7 | $23.1M | 50.0% |
| Quality Inn/Quality Suites, Ho | 7 | $15.8M | 0.0% |
| Econo Lodge | 6 | $11.5M | 0.0% |
| Motel 6 | 5 | $11.8M | 0.0% |
| Skyzone | 5 | $6.6M | 0.0% |
| Boyett Petroleum - (76 Brand) | 5 | $12.1M | 0.0% |
| Chevron - Retail Supply Contra | 5 | $8.2M | 0.0% |
| Americas Best Value Inn (f/K/A | 4 | $4.6M | 0.0% |
| Ampm Mini Market- Arco | 4 | $9.4M | 0.0% |
| Super 8 by Wyndhan | 4 | $12.9M | 0.0% |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
1215.4%
964.0%
440.0%
250.0%
130.0%
120.0%
80.0%
60.0%
60.0%
50.0%
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
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%).