TS
SBA 7(a) franchise lending portfolio
Transamerica Small Business Capital, Inc.
Risk rating: High Risk
- Total loans
- 135
- Loan volume
- $72.1M
- Avg loan size
- $534K
- Charge-off rate
- 25.6%
- vs 16.0% national
Charged off
34
Avg interest
N/A
Franchises funded
69
Risk rating
High Risk
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 7 | $1.5M | N/A |
| Smoothie King (health Food Sto | 6 | $451K | N/A |
| Ramada Inn | 6 | $8.0M | N/A |
| Best Western Inn | 6 | $6.9M | N/A |
| Manhattan Bagel Co. | 5 | $664K | N/A |
| Econo Lodge Motel | 5 | $4.0M | N/A |
| Woody's Barbecue | 5 | $1.2M | N/A |
| Howard Johnson | 5 | $4.9M | N/A |
| Comfort Inn | 4 | $4.9M | N/A |
| Cici's Pizza | 4 | $595K | N/A |
| Hampton Inns | 4 | $4.5M | N/A |
| Super 8 Motel | 4 | $4.4M | N/A |
| Wedding Expressions | 3 | $240K | N/A |
| Discovery Zone (children's Gym | 3 | $1.0M | N/A |
| Days Inn | 3 | $2.7M | N/A |
| Party City (party Paper Goods) | 2 | $385K | N/A |
| Chop Chop | 2 | $242K | N/A |
| Beauty Warehouse | 2 | $161K | N/A |
| Management Recruiters | 2 | $225K | N/A |
| Baskin-Robbins 31 Ice Cream | 2 | $264K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 11 |
| FY1993 | 19 |
| FY1994 | 26 |
| FY1995 | 18 |
| FY1996 | 16 |
| FY1997 | 19 |
| FY1998 | 6 |
| FY1999 | 13 |
| FY2000 | 7 |
SBA 7(a) · charge-off rate by approval year
Transamerica Small Business Capital, Inc.: above all franchise loans in 5 of 7 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 11 | 0 | 0.0% |
| 1993 | 19 | 5 | 26.3% |
| 1994 | 26 | 9 | 34.6% |
| 1995 | 18 | 5 | 27.8% |
| 1996 | 15 | 1 | 6.7% |
| 1997 | 18 | 3 | 16.7% |
| 1998 | 6 | 1 | Too few |
| 1999 | 13 | 8 | 61.5% |
| 2000 | 7 | 2 | Too few |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
2733.3% (high risk)
1829.4% (high risk)
1421.4% (high risk)
128.3% (good)
8N/A
8N/A
8N/A
7N/A
5N/A
5N/A
Portfolio summary
Total funded$72.1M
Charged off34 of 135
Risk tierHigh Risk
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 Transamerica Small Business Capital, Inc. originated?
- 135 loans totaling $72.1M. The portfolio carries a 25.6% charge-off rate, earning a “High Risk” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Transamerica Small Business Capital, Inc.'s rate of 25.6% is above the national rate.
- 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 Transamerica Small Business Capital, Inc. fund the most?
- The “Top franchise exposures” table above lists the brands Transamerica Small Business Capital, Inc. has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.