CC
SBA 504 certified development company
Cen Cal Business Finance Group
- Total loans
- 106
- Loan volume
- $128.6M
- Avg loan size
- $1.2M
- Charge-off rate
- 1.5%
- vs 13.3% national avg
Defaults
1
Franchises funded
75
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| AM/PM Mini-Mart Agreement - AR | 4 | $6.1M | N/A |
| MAACO Auto Painting Center | 3 | $927K | 0.0% (low risk) |
| Rally's Hamburgers | 3 | $400K | 0.0% (low risk) |
| Temporary Franchises | 3 | $1.6M | 0.0% (low risk) |
| Best Western Inn | 3 | $3.9M | 0.0% (low risk) |
| Denny's Restaurant | 3 | $2.2M | 0.0% (low risk) |
| Marriott Hotel | 3 | $9.7M | 0.0% (low risk) |
| Holiday Inn Express/Holiday In | 3 | $14.6M | N/A |
| Del Taco | 2 | $1.2M | 0.0% (low risk) |
| Coldwell Banker (real Estate B | 2 | $494K | 0.0% (low risk) |
| Johnny Quik Food Store | 2 | $712K | 0.0% (low risk) |
| Arco (gas Station) | 2 | $1.7M | 0.0% (low risk) |
| Holiday Inn | 2 | $1.5M | 0.0% (low risk) |
| Hampton Inns | 2 | $4.9M | 0.0% (low risk) |
| Holiday Inn Express | 2 | $4.1M | 0.0% (low risk) |
| Chevron (gas Station) | 2 | $630K | 0.0% (low risk) |
| Stuart's Petroleum (Mobil) Con | 2 | $1.2M | 0.0% (low risk) |
| ExtraMile Convenience Stores, | 2 | $4.4M | 0.0% (low risk) |
| ServiceMaster | 2 | $1.6M | 0.0% (low risk) |
| Farmers Insurance Agent Appoin | 2 | $1.1M | N/A |
Lending volume by year
1'92
3
3
2
4
4'01
3
3
4
3
2'07
3
4
4
1
6'12
6
1
4
6
4'17
4
4
4
8
8'22
3
1
3'25
Geographic coverage
California
1061.5% (low risk)
Portfolio summary
Total funded$128.6M
Defaults1 of 106
Risk tierEXCELLENT
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%).