SB
SBA 504 certified development company
Small Business Capital Corporation
- Total loans
- 37
- Loan volume
- $25.2M
- Avg loan size
- $682K
- Charge-off rate
- 19.2%
- vs 13.3% national avg
Defaults
5
Franchises funded
30
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Choice Hotels International In | 4 | $4.4M | 100.0% (very high risk) |
| Holiday Inn Express | 2 | $2.9M | 0.0% (low risk) |
| Super 8 Motel | 2 | $1.4M | 50.0% (very high risk) |
| RNR Tire Express | 2 | $1.0M | N/A |
| Planet Fitness | 2 | $881K | 0.0% (low risk) |
| Ramada Inn | 1 | $540K | 0.0% (low risk) |
| Quiznos | 1 | $214K | 100.0% (very high risk) |
| Days Inn | 1 | $539K | 0.0% (low risk) |
| Ameriprise Financial Services | 1 | $456K | 0.0% (low risk) |
| Blimpie | 1 | $95K | 0.0% (low risk) |
| Fantastic Sam's | 1 | $255K | 0.0% (low risk) |
| Sears Catalog Store | 1 | $197K | 100.0% (very high risk) |
| Chrysler | 1 | $338K | 0.0% (low risk) |
| Save - A - Lot | 1 | $131K | 0.0% (low risk) |
| Mazzio's Pizza | 1 | $255K | 0.0% (low risk) |
| Sleep Inn Motel | 1 | $984K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $212K | 0.0% (low risk) |
| La Quinta Inn | 1 | $1.5M | 0.0% (low risk) |
| Guesthouse Inn | 1 | $1.1M | 0.0% (low risk) |
| Signs Now | 1 | $337K | N/A |
Lending volume by year
2'96
1'97
1'01
1'02
1'04
1'06
3'07
6'08
5'09
2'11
2'12
2'14
1'19
1'20
4'21
1'22
2'23
1'25
Geographic coverage
Oklahoma
3719.2% (high risk)
Portfolio summary
Total funded$25.2M
Defaults5 of 37
Risk tierELEVATED
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%).