CB
SBA 7(a) franchise lending portfolio
Craft Bank
EXCELLENT risk
- Total loans
- 25
- Loan volume
- $24.5M
- Avg loan size
- $979K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
9.33%
Franchises funded
16
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The NOW Massage | 3 | $1.6M | N/A |
| Madabolic | 3 | $1.0M | N/A |
| Upgrade Labs | 3 | $2.3M | 0.0% (low risk) |
| Auntie Anne's | 2 | $1.1M | N/A |
| Jamba | 2 | $969K | N/A |
| Knuckies Hoagies | 2 | $713K | N/A |
| Togo's and TOGO'S | 1 | $440K | 0.0% (low risk) |
| Ellie Mental Health | 1 | $245K | N/A |
| Jeremiah's Italian Ice | 1 | $286K | N/A |
| Country Inn & Suites by Radiss | 1 | $5.0M | N/A |
| Burrito Shak | 1 | $552K | N/A |
| Holiday Inn Express/Holiday In | 1 | $5.0M | N/A |
| V Pizza | 1 | $560K | 0.0% (low risk) |
| MAACO | 1 | $743K | N/A |
| Microtel Inn & Suites by Wyndh | 1 | $3.8M | N/A |
| Cinnabon | 1 | $236K | N/A |
Lending volume by year
2'21
6'22
10'23
4'24
2'25
1'26
Geographic exposure
5N/A
5N/A
30.0% (low risk)
2N/A
10.0% (low risk)
1N/A
10.0% (low risk)
1N/A
1N/A
1N/A
Portfolio summary
Total funded$24.5M
Defaults0 of 25
Risk tierEXCELLENT
Avg rate9.33%
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 Craft Bank originated?
- 25 loans totaling $24.5M. 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 Craft Bank fund the most?
- The “Top franchise exposures” table above lists the brands Craft 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.