MC
SBA 7(a) franchise lending portfolio
Montana Community Development Corp.
EXCELLENT risk
- Total loans
- 11
- Loan volume
- $2.0M
- Avg loan size
- $183K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
9.36%
Franchises funded
10
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Wayback Burgers | 2 | $250K | N/A |
| Blaze Pizza | 1 | $250K | 0.0% (low risk) |
| Subway | 1 | $250K | 0.0% (low risk) |
| Novus Glass/Novus Auto Glass | 1 | $42K | 0.0% (low risk) |
| The Brass Tap | 1 | $250K | 0.0% (low risk) |
| College Hunks Hauling Junk | 1 | $166K | 0.0% (low risk) |
| Garage Force / Garage Force In | 1 | $100K | 0.0% (low risk) |
| FiiZ Drinks | 1 | $223K | N/A |
| Stretch Lab | 1 | $246K | N/A |
| Firehouse Subs | 1 | $239K | N/A |
Lending volume by year
2'14
1'16
1'17
1'20
1'21
2'23
2'24
1'26
Geographic exposure
Portfolio summary
Total funded$2.0M
Defaults0 of 11
Risk tierEXCELLENT
Avg rate9.36%
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 Montana Community Development Corp. originated?
- 11 loans totaling $2.0M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Montana Community Development Corp. fund the most?
- The “Top franchise exposures” table above lists the brands Montana Community Development Corp. has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.