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SBA 7(a) franchise lending portfolio
Florida Capital Bank, National Association
CRITICAL risk
- Total loans
- 67
- Loan volume
- $20.4M
- Avg loan size
- $305K
- Default 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% |
| 911 Restoration | 3 | $502K | — |
| Code Ninjas | 2 | $458K | 100.0% |
| Mr. Electric | 2 | $261K | 0.0% |
| Club Pilates | 2 | $470K | 0.0% |
| The Learning Experience | 2 | $731K | 0.0% |
| MAACO | 2 | $349K | 100.0% |
| Enviro-Master Services | 2 | $326K | 0.0% |
| HobbyTown | 1 | $209K | — |
| Domino's Pizza | 1 | $231K | 0.0% |
| DetailXPerts | 1 | $324K | — |
| Gyu-Kaku | 1 | $1.8M | — |
| Klein Epstein & Parker | 1 | $241K | 100.0% |
| Dunkin Donuts/Baskin-Robbins C | 1 | $620K | 0.0% |
| Aussie Pet Mobil | 1 | $350K | 100.0% |
| Presents of Mine | 1 | $268K | 0.0% |
| Martinizing Dry Cleaning | 1 | $391K | 100.0% |
| AAMCO Transmissions | 1 | $169K | 0.0% |
| Office Evolution | 1 | $350K | — |
| The Junkluggers | 1 | $161K | 100.0% |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
1515.4%
957.1%
633.3%
5100.0%
425.0%
40.0%
20.0%
20.0%
2100.0%
20.0%
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
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%).