AC
SBA 504 certified development company
Ameritrust CDC
- Total loans
- 61
- Loan volume
- $101.9M
- Avg loan size
- $1.7M
- Charge-off rate
- 3.1%
- vs 13.3% national avg
Defaults
1
Franchises funded
53
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Choice Hotels International In | 2 | $2.3M | 50.0% (very high risk) |
| Days Inn | 2 | $4.4M | 0.0% (low risk) |
| Candlewood Suites | 2 | $9.4M | N/A |
| Conoco Service Station | 2 | $1.3M | 0.0% (low risk) |
| Holiday Inn Express | 2 | $5.2M | 0.0% (low risk) |
| Fairfield Inn | 2 | $6.1M | 0.0% (low risk) |
| Chevron - Retail Supply Contra | 2 | $1.4M | 0.0% (low risk) |
| Clarion Inn by Choice Hotels/C | 2 | $5.9M | 0.0% (low risk) |
| Super 8 Motel | 1 | $1.2M | 0.0% (low risk) |
| Travelodge | 1 | $740K | 0.0% (low risk) |
| Smitty's Pancake House | 1 | $327K | 0.0% (low risk) |
| Papa Murphy's Take & Bake Pizz | 1 | $296K | 0.0% (low risk) |
| Yamaha Sales Center | 1 | $211K | 0.0% (low risk) |
| Quality Inn by Choice Hotels / | 1 | $2.4M | N/A |
| Fairfield by Marriott/Fairfiel | 1 | $5.0M | N/A |
| Yamaha (Sales and Service Agre | 1 | $1.7M | N/A |
| Honda Automobile Division - De | 1 | $1.1M | N/A |
| Coldwell Banker | 1 | $304K | 0.0% (low risk) |
| Dairy Queen of the Pacific Nor | 1 | $406K | N/A |
| Biggby Coffee | 1 | $303K | N/A |
Lending volume by year
2'07
5'08
1'09
3'10
5'11
9'12
2'13
4'14
5'15
2'17
3'18
3'19
2'20
1'21
4'22
4'23
1'24
3'25
2'26
Geographic coverage
Portfolio summary
Total funded$101.9M
Defaults1 of 61
Risk tierEXCELLENT
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%).