TC
SBA 7(a) franchise lending portfolio
The Canandaigua National Bank and Trust Company
ELEVATED risk
- Total loans
- 18
- Loan volume
- $2.6M
- Avg loan size
- $143K
- Charge-off rate
- 17.6%
- vs 15.4% national avg
Defaults
3
Avg interest
4.98%
Franchises funded
15
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Ace Hardware | 3 | $515K | 0.0% (low risk) |
| Creme Da La Creme | 2 | $75K | 100.0% (very high risk) |
| Health Force, Inc. | 1 | $100K | 0.0% (low risk) |
| Arby's | 1 | $150K | 0.0% (low risk) |
| Street Corner News | 1 | $75K | 0.0% (low risk) |
| Val Pak | 1 | $75K | 0.0% (low risk) |
| UPS Store | 1 | $85K | 0.0% (low risk) |
| Padgett Business Services | 1 | $265K | 0.0% (low risk) |
| Comfort Keepers | 1 | $525K | 0.0% (low risk) |
| Pearle Vision Center | 1 | $150K | 0.0% (low risk) |
| Ilovekickboxing.com | 1 | $90K | 0.0% (low risk) |
| Little Ceasar's Pizza | 1 | $225K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $57K | 100.0% (very high risk) |
| Minuteman Press | 1 | $100K | 0.0% (low risk) |
| Fibrenew | 1 | $81K | N/A |
Lending volume by year
1'99
1'01
1'05
3'07
1'09
2'10
1'11
2'12
1'14
3'15
1'17
1'21
Geographic exposure
1817.6% (high risk)
Portfolio summary
Total funded$2.6M
Defaults3 of 18
Risk tierELEVATED
Avg rate4.98%
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 Canandaigua National Bank and Trust Company originated?
- 18 loans totaling $2.6M. The portfolio carries a 17.6% charge-off rate, earning a “ELEVATED” 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 Canandaigua National Bank and Trust Company fund the most?
- The “Top franchise exposures” table above lists the brands The Canandaigua National Bank and Trust Company has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.