TS
SBA 7(a) franchise lending portfolio
Transamerica Small Business Capital, Inc.
CRITICAL risk
- Total loans
- 135
- Loan volume
- $72.1M
- Avg loan size
- $534K
- Charge-off rate
- 25.6%
- vs 15.4% national avg
Defaults
34
Avg interest
N/A
Franchises funded
69
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 7 | $1.5M | 0.0% (low risk) |
| Smoothie King (health Food Sto | 6 | $451K | 16.7% (high risk) |
| Ramada Inn | 6 | $8.0M | 0.0% (low risk) |
| Best Western Inn | 6 | $6.9M | 16.7% (high risk) |
| Manhattan Bagel Co. | 5 | $664K | 20.0% (very high risk) |
| Econo Lodge Motel | 5 | $4.0M | 20.0% (very high risk) |
| Woody's Barbecue | 5 | $1.2M | 0.0% (low risk) |
| Howard Johnson | 5 | $4.9M | 0.0% (low risk) |
| Comfort Inn | 4 | $4.9M | 0.0% (low risk) |
| Cici's Pizza | 4 | $595K | 0.0% (low risk) |
| Hampton Inns | 4 | $4.5M | 0.0% (low risk) |
| Super 8 Motel | 4 | $4.4M | 25.0% (very high risk) |
| Wedding Expressions | 3 | $240K | 100.0% (very high risk) |
| Discovery Zone (children's Gym | 3 | $1.0M | 33.3% (very high risk) |
| Days Inn | 3 | $2.7M | 33.3% (very high risk) |
| Party City (party Paper Goods) | 2 | $385K | 0.0% (low risk) |
| Chop Chop | 2 | $242K | 50.0% (very high risk) |
| Beauty Warehouse | 2 | $161K | 50.0% (very high risk) |
| Management Recruiters | 2 | $225K | 0.0% (low risk) |
| Baskin-Robbins 31 Ice Cream | 2 | $264K | 50.0% (very high risk) |
Lending volume by year
11'92
19'93
26'94
18'95
16'96
19'97
6'98
13'99
7'00
Transamerica Small Business Capital, Inc. charge-off rate by loan vintage
BrandNational avg
Geographic exposure
2733.3% (very high risk)
1829.4% (very high risk)
1421.4% (very high risk)
128.3% (moderate risk)
825.0% (very high risk)
825.0% (very high risk)
825.0% (very high risk)
742.9% (very high risk)
50.0% (low risk)
520.0% (very high risk)
Portfolio summary
Total funded$72.1M
Defaults34 of 135
Risk tierCRITICAL
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 “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 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.