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SBA 7(a) franchise lending portfolio
First Commercial Capital
AVERAGE risk
- Total loans
- 19
- Loan volume
- $6.7M
- Avg loan size
- $352K
- Default rate
- 10.5%
- vs 15.4% national avg
Defaults
2
Avg interest
—
Franchises funded
15
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| All Tune And Lube | 3 | $280K | 33.3% |
| General Business Services | 2 | $74K | 0.0% |
| Ramada Inn | 2 | $1.9M | 0.0% |
| Precision Tune | 1 | $125K | 0.0% |
| Red Carpet Inn | 1 | $775K | 0.0% |
| Travelodge | 1 | $683K | 0.0% |
| Standard Oil Service Station | 1 | $700K | 0.0% |
| AAMCO Transmissions | 1 | $136K | 0.0% |
| Holiday Inn | 1 | $400K | 0.0% |
| Juicy Lucy's (fast-Food Restau | 1 | $240K | 0.0% |
| Howard Johnson | 1 | $825K | 0.0% |
| Future Kids | 1 | $50K | 0.0% |
| Grease Monkey | 1 | $330K | 0.0% |
| Reface It Kitchen Systems, Inc | 1 | $50K | 100.0% |
| Comfort Inn | 1 | $114K | 0.0% |
Lending volume by year
2'92
5'93
3'94
4'95
3'96
2'99
First Commercial Capital default rate by loan vintage
BrandNational avg
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%).