AC
SBA 504 certified development company
Arizona Capital Source
- Total loans
- 218
- Loan volume
- $214.1M
- Avg loan size
- $982K
- Charge-off rate
- 20.0%
- vs 13.3% national avg
Defaults
35
Franchises funded
122
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Choice Hotels International In | 8 | $8.5M | 62.5% (very high risk) |
| Comfort Inn | 8 | $7.3M | 66.7% (very high risk) |
| Super 8 Motel | 7 | $5.6M | 14.3% (elevated risk) |
| Best Western Inn | 6 | $6.3M | 16.7% (high risk) |
| Ramada Inn | 6 | $7.0M | 16.7% (high risk) |
| Culver's | 6 | $6.3M | 0.0% (low risk) |
| Culver's ButterBurgers & Froze | 6 | $6.7M | 0.0% (low risk) |
| Days Inn | 5 | $5.7M | 40.0% (very high risk) |
| Holiday Inn | 5 | $5.8M | 0.0% (low risk) |
| Pizzeria Uno's (restaurant) | 4 | $3.6M | 50.0% (very high risk) |
| Chevron (gas Station) | 4 | $2.8M | 50.0% (very high risk) |
| Temporary Franchises | 4 | $3.4M | 0.0% (low risk) |
| Del Taco | 3 | $748K | 0.0% (low risk) |
| Texaco Service Station | 3 | $1.1M | 33.3% (very high risk) |
| Ace Hardware | 3 | $2.2M | 33.3% (very high risk) |
| La Quinta Inn | 3 | $3.9M | 0.0% (low risk) |
| Arby's | 3 | $818K | 0.0% (low risk) |
| Holiday Inn Express | 3 | $3.9M | 33.3% (very high risk) |
| Quality Inn | 3 | $2.8M | 33.3% (very high risk) |
| Culver's Frozen Custard | 3 | $2.7M | 0.0% (low risk) |
Lending volume by year
3'92
2
4
2
4
5'97
5
3
2
5
4'02
8
13
18
21
19'07
8
5
7
3
5'12
4
5
4
7
6'17
8
12
7
2
9'22
1
2
5'25
Geographic coverage
Arizona
21419.2% (high risk)
New Mexico
466.7% (very high risk)
Portfolio summary
Total funded$214.1M
Defaults35 of 218
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%).