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SBA 7(a) franchise lending portfolio
Community First Bank of Indiana
CRITICAL risk
- Total loans
- 20
- Loan volume
- $10.3M
- Avg loan size
- $516K
- Default rate
- 20.0%
- vs 15.4% national avg
Defaults
2
Avg interest
8.30%
Franchises funded
16
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Comfort Keepers | 3 | $138K | 0.0% |
| Marco's Pizza | 2 | $523K | 50.0% |
| Anytime Fitness | 2 | $619K | 0.0% |
| Valvoline Instant Oil Change | 1 | $480K | 0.0% |
| Cuppy's Coffee, Smoothies & Mo | 1 | $172K | 0.0% |
| My Favorite Muffin | 1 | $348K | 0.0% |
| Anytime Fitness | 1 | $350K | 100.0% |
| McAlister's Deli | 1 | $927K | — |
| Cary Oil Company Inc - Complet | 1 | $1.3M | — |
| Herdrich Petroleum Corp (Multi | 1 | $1.3M | — |
| I Heart Mac & Cheese | 1 | $464K | — |
| Woof Gang Bakery and Grooming | 1 | $382K | — |
| U.S. Oil (Marathon) Retailer S | 1 | $1.8M | — |
| Crazy King Burrito | 1 | $500K | — |
| Hotworx | 1 | $500K | — |
| Jersey Mike's | 1 | $563K | — |
Lending volume by year
1'03
1'04
1'05
2'07
1'08
1'12
1'13
1'14
1'15
1'16
1'20
4'23
1'24
2'25
1'26
Geographic exposure
2020.0%
Portfolio summary
Total funded$10.3M
Defaults2 of 20
Risk tierCRITICAL
Avg rate8.30%
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%).