CC
SBA 504 certified development company
Capital Certified Development
- Total loans
- 395
- Loan volume
- $553.7M
- Avg loan size
- $1.4M
- Charge-off rate
- 22.0%
- vs 13.3% national avg
Defaults
50
Franchises funded
175
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Chicken Express | 16 | $14.2M | 0.0% (low risk) |
| Choice Hotels International In | 13 | $19.2M | 46.2% (very high risk) |
| Temporary Franchises | 12 | $6.9M | 0.0% (low risk) |
| Primrose Schools | 12 | $22.5M | 0.0% (low risk) |
| Holiday Inn Express | 11 | $13.5M | 40.0% (very high risk) |
| Best Western Inn | 10 | $12.1M | 0.0% (low risk) |
| Comfort Inn | 8 | $8.9M | 57.1% (very high risk) |
| Primrose School (daycare) | 8 | $9.3M | 0.0% (low risk) |
| Hampton Inns | 7 | $11.6M | 42.9% (very high risk) |
| Kids R Kids | 7 | $6.2M | 0.0% (low risk) |
| Days Inn | 7 | $6.2M | 50.0% (very high risk) |
| La Quinta Inn | 7 | $11.2M | 25.0% (very high risk) |
| Quality Inn | 6 | $7.3M | 50.0% (very high risk) |
| The Prep! | 6 | $14.6M | N/A |
| Kiddie Academy | 6 | $10.2M | N/A |
| Super 8 Motel | 5 | $3.6M | 20.0% (very high risk) |
| Culver's Frozen Custard | 5 | $3.1M | 0.0% (low risk) |
| Holiday Inn/Holiday Inn & Suit | 5 | $19.9M | N/A |
| Best Western - Membership Agre | 5 | $11.9M | N/A |
| The Goddard School | 5 | $10.9M | N/A |
Lending volume by year
1'92
4
4
8
2
7'98
1
3
7
4
8'03
12
15
17
30
15'08
24
15
13
17
10'13
11
6
11
9
13'18
11
7
13
26
17'23
28
20
6'26
Geographic coverage
Texas
36121.7% (very high risk)
New Mexico
3126.3% (very high risk)
Arkansas
1N/A
Louisiana
1N/A
Washington
10.0% (low risk)
Portfolio summary
Total funded$553.7M
Defaults50 of 395
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%).