TB
SBA 7(a) franchise lending portfolio
The Bank of Commerce
EXCELLENT risk
- Total loans
- 18
- Loan volume
- $3.8M
- Avg loan size
- $211K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
7.65%
Franchises funded
17
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Plunj | 2 | $904K | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 1 | $40K | 0.0% (low risk) |
| Chevron (gas Station) | 1 | $100K | 0.0% (low risk) |
| Champion Auto Store | 1 | $85K | 0.0% (low risk) |
| Quik Internet Of The Central V | 1 | $53K | 0.0% (low risk) |
| Domino's Pizza | 1 | $196K | 0.0% (low risk) |
| A&w | 1 | $30K | 0.0% (low risk) |
| Nutrishop | 1 | $145K | N/A |
| Real Deals on Home Decor | 1 | $90K | 0.0% (low risk) |
| Domino's | 1 | $310K | 0.0% (low risk) |
| Ace Hardware | 1 | $100K | N/A |
| Crumbl | 1 | $383K | 0.0% (low risk) |
| Everbowl | 1 | $227K | N/A |
| Karie Anne's Frozen Desserts | 1 | $116K | N/A |
| CertaPro Painters | 1 | $275K | N/A |
| Great Clips | 1 | $420K | N/A |
| Stella's Ice Cream | 1 | $320K | N/A |
Lending volume by year
1'92
2'98
1'01
2'16
2'18
1'19
1'21
1'23
6'24
1'25
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 The Bank of Commerce originated?
- 18 loans totaling $3.8M. 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 The Bank of Commerce fund the most?
- The “Top franchise exposures” table above lists the brands The 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.