CB
SBA 504 certified development company
Carolina Business Capital, Inc.
- Total loans
- 92
- Loan volume
- $83.4M
- Avg loan size
- $907K
- Charge-off rate
- 7.7%
- vs 13.3% national avg
Defaults
5
Franchises funded
58
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Zaxby's | 11 | $7.6M | 0.0% (low risk) |
| Bojangles | 5 | $2.5M | 0.0% (low risk) |
| Holiday Inn Express | 4 | $4.6M | 0.0% (low risk) |
| Zaxby's | 4 | $3.9M | N/A |
| Sleep Inn Motel | 3 | $2.5M | 0.0% (low risk) |
| Microtel | 3 | $2.0M | 0.0% (low risk) |
| Dairy Queen | 3 | $771K | 0.0% (low risk) |
| AAMCO Transmissions | 2 | $560K | 0.0% (low risk) |
| Melting Pot | 2 | $1.0M | 100.0% (very high risk) |
| Choice Hotels International In | 2 | $2.6M | 0.0% (low risk) |
| Quality Inn | 2 | $1.7M | 0.0% (low risk) |
| Burger King | 2 | $500K | 0.0% (low risk) |
| Arby's | 2 | $2.2M | 0.0% (low risk) |
| Temporary Franchises | 2 | $773K | 0.0% (low risk) |
| Culver's | 2 | $541K | 0.0% (low risk) |
| Primrose School (daycare) | 1 | $400K | 0.0% (low risk) |
| Golden Corral (restaurant) | 1 | $618K | 0.0% (low risk) |
| Arby's | 1 | $571K | 0.0% (low risk) |
| La Quinta Inn | 1 | $1.3M | 0.0% (low risk) |
| Shoney's Restaurant | 1 | $722K | 0.0% (low risk) |
Lending volume by year
6'92
1
2
6
1
1'99
4
1
4
2
2'04
1
6
5
3
3'09
1
6
6
3
2'14
1
2
2
3
6'19
2
1
4
1
1'24
3'25
Geographic coverage
North Carolina
917.7% (moderate risk)
South Carolina
1N/A
Portfolio summary
Total funded$83.4M
Defaults5 of 92
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%).