CM
SBA 504 certified development company
Capital Matrix, Inc.
- Total loans
- 105
- Loan volume
- $87.8M
- Avg loan size
- $837K
- Charge-off rate
- 7.0%
- vs 13.3% national avg
Defaults
4
Franchises funded
75
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Comfort Inn | 5 | $3.6M | 20.0% (very high risk) |
| Subway Sandwich Shop | 4 | $879K | 0.0% (low risk) |
| Best Western Inn | 4 | $5.7M | 0.0% (low risk) |
| Meineke Car Care | 3 | $667K | 0.0% (low risk) |
| Chevron (gas Station) | 3 | $1.3M | 0.0% (low risk) |
| Days Inn | 3 | $1.4M | 33.3% (very high risk) |
| Temporary Franchises | 3 | $1.5M | 0.0% (low risk) |
| Dutch Bros. | 3 | $1.6M | 0.0% (low risk) |
| Econo Lodge Motel | 2 | $995K | 0.0% (low risk) |
| Holiday Inn Express | 2 | $1.7M | 50.0% (very high risk) |
| Minit-Lube | 2 | $245K | 0.0% (low risk) |
| Idaho Pizza Company | 2 | $1.4M | N/A |
| Dairy Queen of S.W. PA, Inc. | 2 | $1.9M | N/A |
| Ace Hardware | 2 | $3.5M | N/A |
| Minuteman Press | 2 | $476K | N/A |
| Vision Source | 2 | $1.7M | N/A |
| ISU Insurance Agency Network ( | 2 | $637K | 0.0% (low risk) |
| Holiday Inn Express/Holiday In | 2 | $7.4M | N/A |
| Shell Service Station | 1 | $886K | 0.0% (low risk) |
| Budget Inn | 1 | $750K | 0.0% (low risk) |
Lending volume by year
1'93
6
6
1
3
3'01
3
2
4
4
4'06
4
2
4
3
2'12
1
4
1
2
3'17
9
4
6
8
5'22
3
2
3
2'26
Geographic coverage
Portfolio summary
Total funded$87.8M
Defaults4 of 105
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%).