AC
SBA 504 certified development company
Advantage Certified Development Corporation
- Total loans
- 62
- Loan volume
- $114.8M
- Avg loan size
- $1.9M
- Charge-off rate
- 20.0%
- vs 13.3% national avg
Defaults
5
Franchises funded
46
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Chevron (gas Station) | 5 | $5.2M | 0.0% (low risk) |
| AM/PM Mini-Mart Agreement - AR | 4 | $15.7M | N/A |
| Unocal 76 | 3 | $1.3M | 0.0% (low risk) |
| Best Western - Membership Agre | 3 | $10.7M | N/A |
| Jiffy Lube | 2 | $407K | 0.0% (low risk) |
| Conoco Service Station | 2 | $1.9M | 0.0% (low risk) |
| Phillips 66 Branded Reseller A | 2 | $4.7M | N/A |
| Au Energy (Shell) Retail Sales | 2 | $1.9M | N/A |
| Circle K (C-store Agreement on | 2 | $4.4M | N/A |
| Holiday Inn Express | 1 | $1.4M | 0.0% (low risk) |
| Travelodge | 1 | $953K | 0.0% (low risk) |
| My Girlfriends Kitchens | 1 | $594K | 100.0% (very high risk) |
| Pump It Up | 1 | $469K | 0.0% (low risk) |
| Kiddie Academy | 1 | $1.4M | 0.0% (low risk) |
| Econo Lodge Motel | 1 | $541K | 100.0% (very high risk) |
| Molly Maid | 1 | $659K | 0.0% (low risk) |
| Sir Speedy Printing Center | 1 | $443K | 100.0% (very high risk) |
| El Pollo Loco | 1 | $763K | 100.0% (very high risk) |
| Del Taco | 1 | $1.5M | 0.0% (low risk) |
| Texaco Service Station | 1 | $598K | 100.0% (very high risk) |
Lending volume by year
2'04
10'05
6'06
1'07
1'09
2'11
1'12
2'13
1'18
2'19
4'21
7'22
6'23
6'24
10'25
1'26
Geographic coverage
California
6120.0% (very high risk)
Texas
1N/A
Portfolio summary
Total funded$114.8M
Defaults5 of 62
Risk tierCRITICAL
Source: SBA 504 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%).