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SBA 7(a) franchise lending portfolio
Community Resource Bank
CRITICAL risk
- Total loans
- 14
- Loan volume
- $2.6M
- Avg loan size
- $187K
- Default 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% |
| Cornwell Quality Tool Company, | 2 | $194K | 100.0% |
| Sears Catalog Store | 2 | $288K | 0.0% |
| Fowling Warehouse | 2 | $458K | — |
| Cartridge World | 1 | $130K | 100.0% |
| Donatos Pizza | 1 | $695K | 0.0% |
| Pizza Ranch | 1 | $138K | 0.0% |
| Subway Sandwich Shop | 1 | $108K | 0.0% |
| Hardware Hank | 1 | $200K | 0.0% |
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%
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
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%).