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SBA 7(a) franchise lending portfolio
Florida Capital Bank, National Association
Risk rating: High Risk
- Total loans
- 67
- Loan volume
- $20.4M
- Avg loan size
- $305K
- Charge-off rate
- 40.8%
- vs 16.0% national
Charged off
20
Avg interest
7.38%
Franchises funded
56
Risk rating
High Risk
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Budget Blinds | 4 | $612K | N/A |
| 911 Restoration | 3 | $502K | N/A |
| Code Ninjas | 2 | $458K | N/A |
| Mr. Electric | 2 | $261K | N/A |
| Club Pilates | 2 | $470K | N/A |
| The Learning Experience | 2 | $731K | N/A |
| MAACO | 2 | $349K | N/A |
| Enviro-Master Services | 2 | $326K | N/A |
| HobbyTown | 1 | $209K | N/A |
| Domino's Pizza | 1 | $231K | N/A |
| DetailXPerts | 1 | $324K | N/A |
| Gyu-Kaku | 1 | $1.8M | N/A |
| Klein Epstein & Parker | 1 | $241K | N/A |
| Dunkin Donuts/Baskin-Robbins C | 1 | $620K | N/A |
| Aussie Pet Mobil | 1 | $350K | N/A |
| Presents of Mine | 1 | $268K | N/A |
| Martinizing Dry Cleaning | 1 | $391K | N/A |
| AAMCO Transmissions | 1 | $169K | N/A |
| Office Evolution | 1 | $350K | N/A |
| The Junkluggers | 1 | $161K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2014 | 1 |
| FY2015 | 4 |
| FY2016 | 3 |
| FY2017 | 6 |
| FY2018 | 22 |
| FY2019 | 29 |
| FY2020 | 1 |
| FY2021 | 1 |
SBA 7(a) · charge-off rate by approval year
Florida Capital Bank, National Association: above all franchise loans in each of the 2 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2015 | 3 | 0 | Too few |
| 2017 | 5 | 3 | Too few |
| 2018 | 17 | 9 | 52.9% |
| 2019 | 20 | 8 | 40.0% |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
1515.4% (elevated)
9N/A
6N/A
5N/A
4N/A
4N/A
2N/A
2N/A
2N/A
2N/A
Portfolio summary
Total funded$20.4M
Charged off20 of 67
Risk tierHigh Risk
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 “High Risk” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Florida Capital Bank, National Association's rate of 40.8% is above the national rate.
- 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.