FC
SBA 7(a) franchise lending portfolio
First Commercial Capital
AVERAGE risk
- Total loans
- 19
- Loan volume
- $6.7M
- Avg loan size
- $352K
- Charge-off rate
- 10.5%
- vs 15.4% national avg
Defaults
2
Avg interest
N/A
Franchises funded
15
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| All Tune And Lube | 3 | $280K | 33.3% (very high risk) |
| General Business Services | 2 | $74K | 0.0% (low risk) |
| Ramada Inn | 2 | $1.9M | 0.0% (low risk) |
| Precision Tune | 1 | $125K | 0.0% (low risk) |
| Red Carpet Inn | 1 | $775K | 0.0% (low risk) |
| Travelodge | 1 | $683K | 0.0% (low risk) |
| Standard Oil Service Station | 1 | $700K | 0.0% (low risk) |
| AAMCO Transmissions | 1 | $136K | 0.0% (low risk) |
| Holiday Inn | 1 | $400K | 0.0% (low risk) |
| Juicy Lucy's (fast-Food Restau | 1 | $240K | 0.0% (low risk) |
| Howard Johnson | 1 | $825K | 0.0% (low risk) |
| Future Kids | 1 | $50K | 0.0% (low risk) |
| Grease Monkey | 1 | $330K | 0.0% (low risk) |
| Reface It Kitchen Systems, Inc | 1 | $50K | 100.0% (very high risk) |
| Comfort Inn | 1 | $114K | 0.0% (low risk) |
Lending volume by year
2'92
5'93
3'94
4'95
3'96
2'99
First Commercial Capital charge-off rate by loan vintage
BrandNational avg
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 First Commercial Capital originated?
- 19 loans totaling $6.7M. The portfolio carries a 10.5% 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 First Commercial Capital fund the most?
- The “Top franchise exposures” table above lists the brands First Commercial Capital has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.