CF
SBA 7(a) franchise lending portfolio
Community First Capital Corp
CRITICAL risk
- Total loans
- 12
- Loan volume
- $1.3M
- Avg loan size
- $107K
- Charge-off rate
- 27.3%
- vs 15.4% national avg
Defaults
3
Avg interest
7.87%
Franchises funded
12
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Color Me Mine Franchising, Inc | 1 | $95K | 100.0% (very high risk) |
| Interstate All Battery Center | 1 | $50K | 0.0% (low risk) |
| Philly Soft Pretzel Factory | 1 | $100K | 0.0% (low risk) |
| Wild Bird Centers | 1 | $110K | 100.0% (very high risk) |
| Carvel Ice Cream | 1 | $110K | 0.0% (low risk) |
| Play N Trade | 1 | $75K | 0.0% (low risk) |
| Lee Myles Transmissions | 1 | $85K | 100.0% (very high risk) |
| The Spice & Tea Exchange | 1 | $150K | 0.0% (low risk) |
| Home Instead Senior Care | 1 | $40K | 0.0% (low risk) |
| Thrifty Car Sales | 1 | $150K | 0.0% (low risk) |
| Dickey's Barbeque | 1 | $75K | 0.0% (low risk) |
| Shoot 360 | 1 | $250K | N/A |
Lending volume by year
1'08
1'10
3'11
2'12
1'13
1'15
1'16
1'17
1'24
Geographic exposure
1227.3% (very high risk)
Portfolio summary
Total funded$1.3M
Defaults3 of 12
Risk tierCRITICAL
Avg rate7.87%
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 Community First Capital Corp originated?
- 12 loans totaling $1.3M. The portfolio carries a 27.3% charge-off rate, earning a “CRITICAL” 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 Community First Capital Corp fund the most?
- The “Top franchise exposures” table above lists the brands Community First Capital Corp has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.