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SBA 7(a) franchise lending portfolio
Community Investment Corporation
CRITICAL risk
- Total loans
- 11
- Loan volume
- $1.7M
- Avg loan size
- $155K
- Default 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% |
| Batteries Plus Bulbs | 1 | $100K | 100.0% |
| Supporting Strategies | 1 | $85K | — |
| Sweetfrog | 1 | $150K | 0.0% |
| BD Provisions | 1 | $150K | — |
| Edible Arrangements | 1 | $246K | — |
| Cardio Sport | 1 | $200K | — |
| Del's Lemonade | 1 | $158K | — |
| L'Artisan Cafe & Bakery - Lice | 1 | $190K | 0.0% |
| Bobbles & Lace | 1 | $150K | — |
| F45 Training | 1 | $150K | 0.0% |
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
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%).