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SBA 7(a) franchise lending portfolio
Community National Bank
AVERAGE risk
- Total loans
- 21
- Loan volume
- $6.6M
- Avg loan size
- $316K
- Default rate
- 11.1%
- vs 15.4% national avg
Defaults
2
Avg interest
5.57%
Franchises funded
18
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Pfg Ventures | 2 | $55K | 0.0% |
| Restoration 1 | 2 | $95K | 0.0% |
| 9Round | 2 | $58K | 0.0% |
| Post Net | 1 | $45K | 0.0% |
| Fastsigns | 1 | $100K | 0.0% |
| Flowerama | 1 | $258K | 0.0% |
| Roto Rooter | 1 | $216K | 0.0% |
| AAMCO Transmissions | 1 | $300K | 0.0% |
| Pakmail Centers Of America | 1 | $65K | 0.0% |
| V2k Window Fashions | 1 | $40K | 100.0% |
| Eskimo Hut (the) | 1 | $47K | 0.0% |
| Dunkin' Donuts | 1 | $200K | 0.0% |
| Souper Salad | 1 | $550K | 100.0% |
| Peterbilt Motors Company -Deal | 1 | $3.4M | 0.0% |
| Ace Hardware | 1 | $300K | — |
| Craters & Freighters | 1 | $425K | — |
| Smoothie King | 1 | $200K | — |
| Dunkin' Donuts | 1 | $320K | 0.0% |
Lending volume by year
1'95
2'99
3'02
1'04
2'05
1'06
1'12
1'14
2'18
2'20
4'21
1'23
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%).