BF
SBA 504 certified development company
Business Finance Capital
- Total loans
- 62
- Loan volume
- $112.0M
- Avg loan size
- $1.8M
- Charge-off rate
- 8.3%
- vs 13.3% national avg
Defaults
1
Franchises funded
53
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Best Western - Membership Agre | 3 | $7.8M | N/A |
| Fix Auto | 3 | $4.2M | N/A |
| Comfort Inn | 2 | $3.9M | 50.0% (very high risk) |
| Chevron - Retail Supply Contra | 2 | $4.4M | N/A |
| Shleppers - License Agreement | 2 | $1.4M | N/A |
| Sonesta ES Suites | 2 | $11.0M | N/A |
| 1-800-Got-Junk? | 2 | $3.4M | N/A |
| Holiday Inn Express | 1 | $1.2M | 0.0% (low risk) |
| Hampton Inn & Suites | 1 | $5.0M | N/A |
| Gold's Gym | 1 | $1.3M | N/A |
| Domino's | 1 | $263K | N/A |
| Dunkin' Donuts | 1 | $1.1M | 0.0% (low risk) |
| Berkshire Hathaway HomeService | 1 | $296K | N/A |
| MAACO Auto Painting & Bodywork | 1 | $638K | N/A |
| Holiday Inn Express/Holiday In | 1 | $3.1M | N/A |
| Tire Pros | 1 | $934K | N/A |
| Days Inn by Wyndham | 1 | $2.9M | N/A |
| Best Western Inn | 1 | $1.2M | N/A |
| SpringHill Suites by Marriott | 1 | $2.9M | 0.0% (low risk) |
| Sonic Drive-In | 1 | $525K | N/A |
Lending volume by year
1'06
2'09
1'12
1'13
1'15
1'16
3'17
2'18
2'19
6'20
8'21
12'22
7'23
5'24
5'25
5'26
Geographic coverage
California
618.3% (moderate risk)
Hawaii
1N/A
Portfolio summary
Total funded$112.0M
Defaults1 of 62
Risk tierGOOD
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%).