GC
SBA 7(a) franchise lending portfolio
GE Capital Small Business Finance Corporation
CRITICAL risk
- Total loans
- 704
- Loan volume
- $211.3M
- Avg loan size
- $300K
- Charge-off rate
- 27.8%
- vs 15.4% national avg
Defaults
195
Avg interest
N/A
Franchises funded
171
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Matco Tools (rent Tools) | 148 | $15.2M | 39.2% (very high risk) |
| Mail Boxes Etc. Usa | 97 | $13.1M | 20.6% (very high risk) |
| Quiznos | 53 | $7.5M | 15.1% (high risk) |
| Mac Tools | 34 | $3.6M | 29.4% (very high risk) |
| Schlotzsky's Sandwich Shop | 22 | $10.8M | 59.1% (very high risk) |
| Subway Sandwich Shop | 20 | $4.4M | 20.0% (very high risk) |
| Dairy Queen | 10 | $2.9M | 60.0% (very high risk) |
| Alphagraphics, Printshops Of T | 10 | $3.1M | 20.0% (very high risk) |
| Best Western Inn | 8 | $9.7M | 12.5% (elevated risk) |
| Cold Stone Creamery, Inc. | 8 | $2.0M | 0.0% (low risk) |
| Econo Lodge Motel | 7 | $5.9M | 14.3% (elevated risk) |
| Big O Tires | 7 | $2.0M | 42.9% (very high risk) |
| Days Inn | 6 | $9.0M | 33.3% (very high risk) |
| MAACO Auto Painting Center | 5 | $919K | 0.0% (low risk) |
| Howard Johnson | 5 | $5.5M | 0.0% (low risk) |
| My Favorite Muffin | 5 | $683K | 40.0% (very high risk) |
| Comfort Inn | 5 | $3.9M | 0.0% (low risk) |
| Kids R Kids | 5 | $8.1M | 0.0% (low risk) |
| Super 8 Motel | 5 | $4.7M | 0.0% (low risk) |
| Kentucky Fried Chicken | 4 | $1.7M | 25.0% (very high risk) |
Lending volume by year
29'92
36'93
19'94
28'95
39'96
41'97
43'98
77'99
95'00
88'01
104'02
95'03
10'04
GE Capital Small Business Finance Corporation charge-off rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Geographic exposure
12119.0% (high risk)
10840.7% (very high risk)
5226.9% (very high risk)
5226.9% (very high risk)
2231.8% (very high risk)
2133.3% (very high risk)
219.5% (moderate risk)
2114.3% (elevated risk)
1926.3% (very high risk)
1829.4% (very high risk)
Portfolio summary
Total funded$211.3M
Defaults195 of 704
Risk tierCRITICAL
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 “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 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.