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SBA 7(a) franchise lending portfolio
Community Bank & Trust-West Georgia
AVERAGE risk
- Total loans
- 60
- Loan volume
- $71.0M
- Avg loan size
- $1.2M
- Default rate
- 11.1%
- vs 15.4% national avg
Defaults
1
Avg interest
8.50%
Franchises funded
43
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Urban Air Adventure Park | 4 | $19.0M | — |
| EarthWise Pet Supply | 3 | $1.2M | — |
| Paris Baguette | 3 | $4.2M | — |
| redbox+ | 3 | $2.4M | — |
| Glo Tanning | 3 | $2.3M | — |
| Anytime Fitness | 2 | $1.1M | 0.0% |
| The UPS Store (f/k/a Mail Box | 2 | $804K | — |
| Hotworx | 2 | $768K | — |
| WaterStation | 2 | $3.7M | 0.0% |
| Sparkle and Sparkle Grooming C | 2 | $1.2M | — |
| CycleBar | 2 | $1.4M | — |
| Country Hearth Inn | 1 | $920K | — |
| Kids R Kids | 1 | $1.1M | — |
| Scottish Inns | 1 | $1.0M | — |
| Player's Connection | 1 | $90K | 0.0% |
| Ramada Inn | 1 | $1000K | 0.0% |
| Dickey's Barbecue Pit | 1 | $670K | — |
| Days Inn | 1 | $1.8M | 0.0% |
| Five Star Painting | 1 | $236K | — |
| Clarion Hotel | 1 | $5.0M | 0.0% |
Lending volume by year
1'00
1'01
1'02
1'04
1'05
2'15
3'19
7'20
13'21
2'22
1'23
5'24
20'25
2'26
Geographic exposure
8—
60.0%
6—
40.0%
40.0%
2—
2—
Portfolio summary
Total funded$71.0M
Defaults1 of 60
Risk tierAVERAGE
Avg rate8.50%
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%).