CI
SBA 7(a) franchise lending portfolio
Community Investment Corporation
CRITICAL risk
- Total loans
- 11
- Loan volume
- $1.7M
- Avg loan size
- $155K
- Charge-off rate
- 20.0%
- vs 15.4% national avg
Defaults
1
Avg interest
9.09%
Franchises funded
11
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Code Ninjas | 1 | $125K | 0.0% (low risk) |
| Batteries Plus Bulbs | 1 | $100K | 100.0% (very high risk) |
| Supporting Strategies | 1 | $85K | N/A |
| Sweetfrog | 1 | $150K | 0.0% (low risk) |
| BD Provisions | 1 | $150K | N/A |
| Edible Arrangements | 1 | $246K | N/A |
| Cardio Sport | 1 | $200K | N/A |
| Del's Lemonade | 1 | $158K | N/A |
| L'Artisan Cafe & Bakery - Lice | 1 | $190K | 0.0% (low risk) |
| Bobbles & Lace | 1 | $150K | N/A |
| F45 Training | 1 | $150K | 0.0% (low risk) |
Lending volume by year
1'15
1'16
2'18
3'20
3'23
1'25
Geographic exposure
Portfolio summary
Total funded$1.7M
Defaults1 of 11
Risk tierCRITICAL
Avg rate9.09%
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 Investment Corporation originated?
- 11 loans totaling $1.7M. The portfolio carries a 20.0% 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 Investment Corporation fund the most?
- The “Top franchise exposures” table above lists the brands Community Investment Corporation has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.