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SBA 7(a) franchise lending portfolio
First Command Bank
UNKNOWN risk
- Total loans
- 17
- Loan volume
- $7.4M
- Avg loan size
- $433K
- Default rate
- —
- vs 15.4% national avg
Defaults
0
Avg interest
9.35%
Franchises funded
14
Risk rating
UNKNOWN
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Resting Rainbow Pet Memorials | 2 | $1.1M | — |
| The Back Nine | 2 | $892K | — |
| American Kolache | 2 | $313K | — |
| Kitchen Guard Services | 1 | $350K | — |
| Mr. Electric | 1 | $208K | — |
| Floor Coverings International | 1 | $157K | — |
| Mosquito Hunters | 1 | $50K | — |
| Seniore's Pizza | 1 | $360K | — |
| Outdoor Lighting Perspectives | 1 | $150K | — |
| Alloy Personal Traning | 1 | $500K | — |
| Cinnaholic | 1 | $345K | — |
| A Better Solution In Home Care | 1 | $205K | — |
| Scooter's Coffee | 1 | $2.0M | — |
| Lightbridge Academy | 1 | $732K | — |
Lending volume by year
2'23
2'24
9'25
4'26
Geographic exposure
3—
2—
2—
2—
1—
1—
1—
1—
Portfolio summary
Total funded$7.4M
Defaults0 of 17
Risk tierUNKNOWN
Avg rate9.35%
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%).