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SBA 7(a) franchise lending portfolio
GE Capital Small Business Finance Corporation
Risk rating: High Risk
- Total loans
- 704
- Loan volume
- $211.3M
- Avg loan size
- $300K
- Charge-off rate
- 27.8%
- vs 16.0% national
Charged off
195
Avg interest
N/A
Franchises funded
171
Risk rating
High Risk
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Matco Tools (rent Tools) | 148 | $15.2M | 39.2% (high risk) |
| Mail Boxes Etc. Usa | 97 | $13.1M | 20.6% (high risk) |
| Quiznos | 53 | $7.5M | 15.1% (elevated) |
| Mac Tools | 34 | $3.6M | 29.4% (high risk) |
| Schlotzsky's Sandwich Shop | 22 | $10.8M | 59.1% (high risk) |
| Subway Sandwich Shop | 20 | $4.4M | 20.0% (high risk) |
| Dairy Queen | 10 | $2.9M | 60.0% (high risk) |
| Alphagraphics, Printshops Of T | 10 | $3.1M | 20.0% (high risk) |
| Best Western Inn | 8 | $9.7M | N/A |
| Cold Stone Creamery, Inc. | 8 | $2.0M | N/A |
| Econo Lodge Motel | 7 | $5.9M | N/A |
| Big O Tires | 7 | $2.0M | N/A |
| Days Inn | 6 | $9.0M | N/A |
| MAACO Auto Painting Center | 5 | $919K | N/A |
| Howard Johnson | 5 | $5.5M | N/A |
| My Favorite Muffin | 5 | $683K | N/A |
| Comfort Inn | 5 | $3.9M | N/A |
| Kids R Kids | 5 | $8.1M | N/A |
| Super 8 Motel | 5 | $4.7M | N/A |
| Kentucky Fried Chicken | 4 | $1.7M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 29 |
| FY1993 | 36 |
| FY1994 | 19 |
| FY1995 | 28 |
| FY1996 | 39 |
| FY1997 | 41 |
| FY1998 | 43 |
| FY1999 | 77 |
| FY2000 | 95 |
| FY2001 | 88 |
| FY2002 | 104 |
| FY2003 | 95 |
| FY2004 | 10 |
SBA 7(a) · charge-off rate by approval year
GE Capital Small Business Finance Corporation: above all franchise loans in 11 of 13 years
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 28 | 1 | 3.6% |
| 1993 | 36 | 5 | 13.9% |
| 1994 | 19 | 5 | 26.3% |
| 1995 | 28 | 10 | 35.7% |
| 1996 | 38 | 11 | 28.9% |
| 1997 | 41 | 19 | 46.3% |
| 1998 | 43 | 14 | 32.6% |
| 1999 | 77 | 21 | 27.3% |
| 2000 | 95 | 21 | 22.1% |
| 2001 | 88 | 32 | 36.4% |
| 2002 | 104 | 29 | 27.9% |
| 2003 | 95 | 25 | 26.3% |
| 2004 | 10 | 2 | 20.0% |
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
12119.0% (elevated)
10840.7% (high risk)
5226.9% (high risk)
5226.9% (high risk)
2231.8% (high risk)
2133.3% (high risk)
219.5% (good)
2114.3% (average)
1926.3% (high risk)
1829.4% (high risk)
Portfolio summary
Total funded$211.3M
Charged off195 of 704
Risk tierHigh Risk
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 GE Capital Small Business Finance Corporation originated?
- 704 loans totaling $211.3M. The portfolio carries a 27.8% 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. GE Capital Small Business Finance Corporation's rate of 27.8% 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 GE Capital Small Business Finance Corporation fund the most?
- The “Top franchise exposures” table above lists the brands GE Capital Small Business Finance Corporation has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.