CR
SBA 7(a) franchise lending portfolio
Community Resource Bank
CRITICAL risk
- Total loans
- 14
- Loan volume
- $2.6M
- Avg loan size
- $187K
- Charge-off rate
- 25.0%
- vs 15.4% national avg
Defaults
3
Avg interest
7.06%
Franchises funded
9
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Servpro | 3 | $413K | 0.0% (low risk) |
| Cornwell Quality Tool Company, | 2 | $194K | 100.0% (very high risk) |
| Sears Catalog Store | 2 | $288K | 0.0% (low risk) |
| Fowling Warehouse | 2 | $458K | N/A |
| Cartridge World | 1 | $130K | 100.0% (very high risk) |
| Donatos Pizza | 1 | $695K | 0.0% (low risk) |
| Pizza Ranch | 1 | $138K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $108K | 0.0% (low risk) |
| Hardware Hank | 1 | $200K | 0.0% (low risk) |
Lending volume by year
1'01
1'03
1'04
3'05
3'07
1'08
1'10
1'15
2'25
Geographic exposure
1425.0% (very high risk)
Portfolio summary
Total funded$2.6M
Defaults3 of 14
Risk tierCRITICAL
Avg rate7.06%
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 Resource Bank originated?
- 14 loans totaling $2.6M. The portfolio carries a 25.0% 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 Resource Bank fund the most?
- The “Top franchise exposures” table above lists the brands Community Resource 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.