CN
SBA 7(a) franchise lending portfolio
Community National Bank
AVERAGE risk
- Total loans
- 21
- Loan volume
- $6.6M
- Avg loan size
- $316K
- Charge-off 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% (low risk) |
| Restoration 1 | 2 | $95K | 0.0% (low risk) |
| 9Round | 2 | $58K | 0.0% (low risk) |
| Post Net | 1 | $45K | 0.0% (low risk) |
| Fastsigns | 1 | $100K | 0.0% (low risk) |
| Flowerama | 1 | $258K | 0.0% (low risk) |
| Roto Rooter | 1 | $216K | 0.0% (low risk) |
| AAMCO Transmissions | 1 | $300K | 0.0% (low risk) |
| Pakmail Centers Of America | 1 | $65K | 0.0% (low risk) |
| V2k Window Fashions | 1 | $40K | 100.0% (very high risk) |
| Eskimo Hut (the) | 1 | $47K | 0.0% (low risk) |
| Dunkin' Donuts | 1 | $200K | 0.0% (low risk) |
| Souper Salad | 1 | $550K | 100.0% (very high risk) |
| Peterbilt Motors Company -Deal | 1 | $3.4M | 0.0% (low risk) |
| Ace Hardware | 1 | $300K | N/A |
| Craters & Freighters | 1 | $425K | N/A |
| Smoothie King | 1 | $200K | N/A |
| Dunkin' Donuts | 1 | $320K | 0.0% (low risk) |
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
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 National Bank originated?
- 21 loans totaling $6.6M. The portfolio carries a 11.1% charge-off rate, earning a “AVERAGE” 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 National Bank fund the most?
- The “Top franchise exposures” table above lists the brands Community National Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.