SC
SBA 504 certified development company
St. Charles County Economic Development Council
- Total loans
- 79
- Loan volume
- $58.4M
- Avg loan size
- $739K
- Charge-off rate
- 10.0%
- vs 13.3% national avg
Defaults
5
Franchises funded
53
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dairy Queen | 7 | $3.2M | 0.0% (low risk) |
| Culver's Frozen Custard | 7 | $4.7M | 0.0% (low risk) |
| Domino's Pizza | 3 | $959K | 0.0% (low risk) |
| Captain D's | 3 | $852K | 0.0% (low risk) |
| Jimmy John's | 3 | $345K | 0.0% (low risk) |
| Dunkin Donuts | 3 | $1.0M | 0.0% (low risk) |
| Holiday Inn Express | 2 | $2.3M | 0.0% (low risk) |
| Choice Hotels International In | 2 | $1.8M | 50.0% (very high risk) |
| Pasta House | 2 | $2.3M | 100.0% (very high risk) |
| Dairy Queen Grill & Chill/Texa | 2 | $961K | 0.0% (low risk) |
| Servpro | 2 | $775K | 0.0% (low risk) |
| The Goddard School | 2 | $2.7M | 0.0% (low risk) |
| Shakley's Frozen Custard | 1 | $240K | 100.0% (very high risk) |
| Goddard Early Learning Center | 1 | $1.1M | 0.0% (low risk) |
| Lee's Famous Recipe (restauran | 1 | $452K | 0.0% (low risk) |
| Sylvan Learning Center | 1 | $122K | 0.0% (low risk) |
| Jiffy Lube | 1 | $150K | 0.0% (low risk) |
| Midas Muffler Shop | 1 | $318K | 0.0% (low risk) |
| Travelodge | 1 | $834K | 100.0% (very high risk) |
| Denny's Restaurant | 1 | $281K | N/A |
Lending volume by year
2'92
1
2
2
3
2'98
1
1
2
1
1'03
1
3
5
5
5'09
4
5
7
5
2'16
6
1
1
5
1'21
2
2
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%).