IB
SBA 7(a) franchise lending portfolio
International Bank of Commerce
CRITICAL risk
- Total loans
- 22
- Loan volume
- $3.1M
- Avg loan size
- $141K
- Charge-off rate
- 40.9%
- vs 15.4% national avg
Defaults
9
Avg interest
N/A
Franchises funded
19
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Mail Boxes Etc. Usa | 4 | $370K | 25.0% (very high risk) |
| Comet One-Hour Dry Cleaners | 1 | $140K | 0.0% (low risk) |
| Color Tile | 1 | $150K | 100.0% (very high risk) |
| Tcby | 1 | $122K | 0.0% (low risk) |
| Dryclean Usa | 1 | $285K | 100.0% (very high risk) |
| Cashland Check Cashing Centers | 1 | $150K | 0.0% (low risk) |
| Golden Fried Chicken | 1 | $199K | 0.0% (low risk) |
| Marblelife | 1 | $50K | 100.0% (very high risk) |
| Sir Speedy Printing Center | 1 | $54K | 0.0% (low risk) |
| Blimpie | 1 | $160K | 100.0% (very high risk) |
| Subway Sandwich Shop | 1 | $90K | 0.0% (low risk) |
| Shakley's Frozen Custard | 1 | $30K | 0.0% (low risk) |
| Cornwell Quality Tool Company, | 1 | $25K | 100.0% (very high risk) |
| Quiznos | 1 | $183K | 0.0% (low risk) |
| Little Gym | 1 | $75K | 100.0% (very high risk) |
| Pizza Patron | 1 | $166K | 0.0% (low risk) |
| Liberty Tax Service | 1 | $45K | 0.0% (low risk) |
| Sears Catalog Store | 1 | $725K | 100.0% (very high risk) |
| Cottman Transmission | 1 | $85K | 100.0% (very high risk) |
Lending volume by year
2'92
2'93
1'94
1'95
1'96
1'99
5'00
2'01
2'04
2'05
2'07
1'08
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 International Bank of Commerce originated?
- 22 loans totaling $3.1M. The portfolio carries a 40.9% 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 International Bank of Commerce fund the most?
- The “Top franchise exposures” table above lists the brands International Bank of Commerce has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.