EI
SBA 504 certified development company
East-Central Idaho Development Company
- Total loans
- 47
- Loan volume
- $30.6M
- Avg loan size
- $651K
- Charge-off rate
- 3.0%
- vs 13.3% national avg
Defaults
1
Franchises funded
38
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Kentucky Fried Chicken | 3 | $564K | 0.0% (low risk) |
| AlphaGraphics | 3 | $3.0M | N/A |
| Subway Sandwich Shop | 2 | $204K | 0.0% (low risk) |
| Arctic Circle | 2 | $694K | 0.0% (low risk) |
| Super 8 Motel | 2 | $1.1M | 50.0% (very high risk) |
| Wendy's | 2 | $715K | 0.0% (low risk) |
| Bath Fitter | 2 | $413K | 0.0% (low risk) |
| Hardee's Restaurant | 1 | $365K | 0.0% (low risk) |
| Ground Round Restaurants | 1 | $575K | 0.0% (low risk) |
| Exxon | 1 | $426K | 0.0% (low risk) |
| Days Inn | 1 | $1.5M | 0.0% (low risk) |
| Coast-To-Coast Store | 1 | $96K | 0.0% (low risk) |
| Tony Roma's (pizza) | 1 | $1.0M | 0.0% (low risk) |
| Hampton Inns | 1 | $1.0M | 0.0% (low risk) |
| Arby's | 1 | $286K | 0.0% (low risk) |
| Domino's Pizza | 1 | $120K | 0.0% (low risk) |
| Do It Best Hardware | 1 | $481K | 0.0% (low risk) |
| Kenny Rogers Roasters | 1 | $258K | 0.0% (low risk) |
| Schlotzsky's Sandwich Shop | 1 | $379K | 0.0% (low risk) |
| Express Lube & Oil | 1 | $106K | 0.0% (low risk) |
Lending volume by year
2'92
2
4
4
2
1'97
1
1
2
2
1'07
3
1
2
2
1'16
3
1
2
5
2'22
1
1
1'25
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%).