GS
SBA 504 certified development company
Greater Sacramento Certified Development Corporation
- Total loans
- 89
- Loan volume
- $85.2M
- Avg loan size
- $957K
- Charge-off rate
- 1.9%
- vs 13.3% national avg
Defaults
1
Franchises funded
63
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Chevron (gas Station) | 6 | $6.5M | 0.0% (low risk) |
| Century 21 | 3 | $1.4M | 0.0% (low risk) |
| Ace Hardware | 3 | $2.9M | 33.3% (very high risk) |
| Temporary Franchises | 3 | $1.9M | 0.0% (low risk) |
| Dutch Bros. | 3 | $2.4M | 0.0% (low risk) |
| Shell Service Station | 2 | $1.9M | 0.0% (low risk) |
| Arco (gas Station) | 2 | $1.2M | 0.0% (low risk) |
| Comfort Inn | 2 | $2.5M | 0.0% (low risk) |
| Texaco Service Station | 2 | $1.8M | 0.0% (low risk) |
| Union 76 Oil | 2 | $776K | 0.0% (low risk) |
| Holiday Inn Express | 2 | $4.0M | 0.0% (low risk) |
| Hampton Inns | 2 | $4.7M | 0.0% (low risk) |
| Valero | 2 | $1.6M | 0.0% (low risk) |
| Ace Hardware | 2 | $1.3M | 0.0% (low risk) |
| Chevron - Retail Supply Contra | 2 | $1.1M | N/A |
| AM/PM Mini-Mart Agreement - AR | 2 | $2.4M | N/A |
| Ed Staubs & Sons Petroleum (Mu | 2 | $2.4M | 0.0% (low risk) |
| Fairfield Inn/Inn & Suites | 2 | $5.8M | 0.0% (low risk) |
| Econo Lodge Motel | 1 | $800K | 0.0% (low risk) |
| Exxon | 1 | $510K | 0.0% (low risk) |
Lending volume by year
1'94
1
1
2
2
1'03
2
7
6
1
2'08
3
3
4
6
1'13
6
1
4
8
4'18
4
7
8
3
1'25
Geographic coverage
California
891.9% (low risk)
Portfolio summary
Total funded$85.2M
Defaults1 of 89
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%).