CB
SBA 7(a) franchise lending portfolio
Customers Bank
AVERAGE risk
- Total loans
- 233
- Loan volume
- $257.0M
- Avg loan size
- $1.1M
- Charge-off rate
- 12.4%
- vs 15.4% national avg
Defaults
11
Avg interest
6.61%
Franchises funded
91
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The Goddard School | 28 | $41.0M | 0.0% (low risk) |
| Primrose Schools | 14 | $36.5M | 0.0% (low risk) |
| Lords & Ladies | 14 | $4.3M | 0.0% (low risk) |
| Marco's Pizza | 13 | $5.2M | 0.0% (low risk) |
| Kiddie Academy | 10 | $15.5M | N/A |
| Merry Maids | 9 | $5.4M | N/A |
| Pet Supplies Plus | 8 | $6.2M | 0.0% (low risk) |
| American Family Care/AFC Urgen | 7 | $6.9M | N/A |
| Super 8 by Wyndhan | 4 | $5.2M | N/A |
| Yogi Bear's Jellystone Park Ca | 4 | $2.1M | 0.0% (low risk) |
| Massage Envy | 4 | $3.1M | 0.0% (low risk) |
| The Learning Experience | 4 | $1.3M | 0.0% (low risk) |
| Smoothie King | 4 | $2.4M | N/A |
| Tint World | 4 | $1.9M | N/A |
| Massage Envy | 3 | $1.5M | 0.0% (low risk) |
| Quality Inn by Choice Hotels / | 3 | $10.6M | 0.0% (low risk) |
| Days Inn by Wyndham | 3 | $8.3M | 0.0% (low risk) |
| Creative World School | 3 | $9.9M | 0.0% (low risk) |
| Scooter's Coffee | 3 | $3.9M | N/A |
| Hand and Stone Massage and Fac | 3 | $1.4M | N/A |
Lending volume by year
3'02
4'04
2'05
1'06
1'11
2'13
3'14
3'15
2'16
16'17
9'18
16'19
37'20
38'21
33'22
37'23
15'24
11'25
Customers Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
3611.1% (elevated risk)
2614.3% (elevated risk)
2040.0% (very high risk)
2025.0% (very high risk)
1814.3% (elevated risk)
130.0% (low risk)
90.0% (low risk)
80.0% (low risk)
7N/A
60.0% (low risk)
Portfolio summary
Total funded$257.0M
Defaults11 of 233
Risk tierAVERAGE
Avg rate6.61%
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 Customers Bank originated?
- 233 loans totaling $257.0M. The portfolio carries a 12.4% 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 Customers Bank fund the most?
- The “Top franchise exposures” table above lists the brands Customers 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.