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SBA 7(a) franchise lending portfolio
Community First Capital Corp
CRITICAL risk
- Total loans
- 12
- Loan volume
- $1.3M
- Avg loan size
- $107K
- Default 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% |
| Interstate All Battery Center | 1 | $50K | 0.0% |
| Philly Soft Pretzel Factory | 1 | $100K | 0.0% |
| Wild Bird Centers | 1 | $110K | 100.0% |
| Carvel Ice Cream | 1 | $110K | 0.0% |
| Play N Trade | 1 | $75K | 0.0% |
| Lee Myles Transmissions | 1 | $85K | 100.0% |
| The Spice & Tea Exchange | 1 | $150K | 0.0% |
| Home Instead Senior Care | 1 | $40K | 0.0% |
| Thrifty Car Sales | 1 | $150K | 0.0% |
| Dickey's Barbeque | 1 | $75K | 0.0% |
| Shoot 360 | 1 | $250K | — |
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%
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
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%).