CB
SBA 7(a) franchise lending portfolio
Coulee Bank
EXCELLENT risk
- Total loans
- 22
- Loan volume
- $16.2M
- Avg loan size
- $737K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.30%
Franchises funded
17
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Once Upon A Child | 2 | $625K | 0.0% (low risk) |
| Toppers Pizza | 2 | $675K | 0.0% (low risk) |
| Enviro-Master Services | 2 | $225K | 0.0% (low risk) |
| Econo Lodge by Choice Hotels/E | 2 | $4.8M | 0.0% (low risk) |
| Domino's | 2 | $2.5M | N/A |
| Burger King | 1 | $545K | 0.0% (low risk) |
| Domino's Pizza | 1 | $195K | 0.0% (low risk) |
| A & W Restaurant | 1 | $385K | 0.0% (low risk) |
| Temporary Franchises | 1 | $60K | 0.0% (low risk) |
| Little Caesar Pizza | 1 | $350K | 0.0% (low risk) |
| Los Campeones Gym | 1 | $317K | N/A |
| Snap-On | 1 | $190K | N/A |
| Clarion Inn by Choice Hotels/C | 1 | $2.4M | N/A |
| SportClips | 1 | $123K | 0.0% (low risk) |
| Minuteman Press | 1 | $172K | N/A |
| The UPS Store (f/k/a Mail Box | 1 | $250K | N/A |
| La Quinta by Wyndham a.k.a. La | 1 | $2.4M | 0.0% (low risk) |
Lending volume by year
1'03
1'06
2'10
1'11
1'12
3'16
2'19
2'20
4'21
1'22
3'23
1'25
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 Coulee Bank originated?
- 22 loans totaling $16.2M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Coulee Bank fund the most?
- The “Top franchise exposures” table above lists the brands Coulee 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.