FC
SBA 7(a) franchise lending portfolio
Florida Capital Bank, National Association
CRITICAL risk
- Total loans
- 67
- Loan volume
- $20.4M
- Avg loan size
- $305K
- Charge-off rate
- 40.8%
- vs 15.4% national avg
Defaults
20
Avg interest
7.38%
Franchises funded
56
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Budget Blinds | 4 | $612K | 33.3% (very high risk) |
| 911 Restoration | 3 | $502K | N/A |
| Code Ninjas | 2 | $458K | 100.0% (very high risk) |
| Mr. Electric | 2 | $261K | 0.0% (low risk) |
| Club Pilates | 2 | $470K | 0.0% (low risk) |
| The Learning Experience | 2 | $731K | 0.0% (low risk) |
| MAACO | 2 | $349K | 100.0% (very high risk) |
| Enviro-Master Services | 2 | $326K | 0.0% (low risk) |
| HobbyTown | 1 | $209K | N/A |
| Domino's Pizza | 1 | $231K | 0.0% (low risk) |
| DetailXPerts | 1 | $324K | N/A |
| Gyu-Kaku | 1 | $1.8M | N/A |
| Klein Epstein & Parker | 1 | $241K | 100.0% (very high risk) |
| Dunkin Donuts/Baskin-Robbins C | 1 | $620K | 0.0% (low risk) |
| Aussie Pet Mobil | 1 | $350K | 100.0% (very high risk) |
| Presents of Mine | 1 | $268K | 0.0% (low risk) |
| Martinizing Dry Cleaning | 1 | $391K | 100.0% (very high risk) |
| AAMCO Transmissions | 1 | $169K | 0.0% (low risk) |
| Office Evolution | 1 | $350K | N/A |
| The Junkluggers | 1 | $161K | 100.0% (very high risk) |
Lending volume by year
1'14
4'15
3'16
6'17
22'18
29'19
1'20
1'21
Florida Capital Bank, National Association charge-off rate by loan vintage
BrandNational avg
Geographic exposure
1515.4% (high risk)
957.1% (very high risk)
633.3% (very high risk)
5100.0% (very high risk)
425.0% (very high risk)
40.0% (low risk)
20.0% (low risk)
20.0% (low risk)
2100.0% (very high risk)
20.0% (low risk)
Portfolio summary
Total funded$20.4M
Defaults20 of 67
Risk tierCRITICAL
Avg rate7.38%
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 Florida Capital Bank, National Association originated?
- 67 loans totaling $20.4M. The portfolio carries a 40.8% charge-off rate, earning a “CRITICAL” 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 Florida Capital Bank, National Association fund the most?
- The “Top franchise exposures” table above lists the brands Florida Capital Bank, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.