Buying a Coldwell Banker Commercial franchise: SBA acquisition loan data
Since FY2018, SBA lenders have approved 7 7(a) loans to buy an existing Coldwell Banker Commercial (classified mostly as Offices of Real Estate Agents and Brokers), totaling $4.9M. The median loan was $235,000, 64% lower than the $645,250 median for all SBA-financed acquisitions.
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What this tells a buyer
- Price range to expect. Loan size tracks purchase price. Half of Coldwell Banker Commercial resale loans landed between $100,000 and $952,000.
- Lender experience exists. Heritage Bank alone has financed 3 Coldwell Banker Commercial resales.
- Guaranty. The SBA guaranteed 74% of the dollars lent here.
- What the file leaves out. The SBA file does not record franchisor transfer terms or fees.
Financing a Coldwell Banker Commercial resale
The median SBA 7(a) loan for a Coldwell Banker Commercial resale was $235,000 across 7 loans (FY2018 to FY2026). Heritage Bank, Pinnacle Bank and United Community Bank have financed the most Coldwell Banker Commercial resales. Too few of these loans are old enough to measure a charge-off rate; the average for all SBA acquisition loans is 3.5%.
Coldwell Banker Commercial acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 2 | $335K | $167,500 | |
| FY2020 | 4 | $4.3M | $837,500 | |
| FY2021 | 0 | $0 | - | |
| FY2022 | 0 | $0 | - | |
| FY2023 | 1 | $329K | $329,000 | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 0 | $0 | - |
How often do these acquisition loans fail?
Fewer than 20 Coldwell Banker Commercial acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
Seller note standby terms and third-party consents are reviewed before closing.
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Lenders financing Coldwell Banker Commercial resales
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Heritage Bank | 3 | 42.9% | $664K | |
| 2 | Pinnacle Bank | 2 | 28.6% | $2.6M | |
| 3 | United Community Bank | 2 | 28.6% | $1.6M |
States where Coldwell Banker Commercial units are bought
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Washington | 3 | 42.9% | $664K | |
| 2 | Tennessee | 2 | 28.6% | $2.6M | |
| 3 | Georgia | 2 | 28.6% | $1.6M |
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsFree consultation. All 50 states.
How lenders classify Coldwell Banker Commercial
Lenders code each loan to a NAICS industry. For Coldwell Banker Commercial the codes used were:
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Offices of Real Estate Agents and Brokers | 5 | 71.4% | $4.6M | |
| 2 | Other Activities Related to Real Estate | 2 | 28.6% | $335K |
Questions buyers ask
How much do buyers borrow to buy a Coldwell Banker Commercial franchise?
The median SBA 7(a) loan for a Coldwell Banker Commercial resale was $235,000 across 7 loans (FY2018 to FY2026). The middle half of loans ran from $100,000 to $952,000. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Coldwell Banker Commercial acquisitions?
Heritage Bank has made the most SBA acquisition loans for Coldwell Banker Commercial (3, 43% of the total). Pinnacle Bank, United Community Bank follow.
What interest rate and term do Coldwell Banker Commercial acquisition loans carry?
The average initial rate at approval was 6.96% (a blend of fixed and variable loans across several rate environments, so treat it as context, not a quote). The median term was 10 years.
Is a Coldwell Banker Commercial resale riskier than other SBA-financed acquisitions?
Too few Coldwell Banker Commercial acquisition loans are old enough to measure. The benchmark for all SBA acquisition loans is 3.5% charged off in the FY2018 to FY2021 cohort.
Where are Coldwell Banker Commercial units being bought with SBA loans?
Washington (3), Tennessee (2), Georgia (2). State counts follow where the brand has units and where SBA lending is most active generally; see the state pages for the overall picture.
Terms signed in the LOI shape the purchase agreement that follows.
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Related
- All Offices of Real Estate Agents and Brokers acquisitions
- Washington acquisitions
- Tennessee acquisitions
- Georgia acquisitions
- Heritage Bank
- Pinnacle Bank
- United Community Bank
- All franchise brands
Brand name as recorded by lenders in the SBA file: "Coldwell Banker Commercial" (franchise code S2158). Figures are aggregates of public SBA data and are not provided or endorsed by the franchisor.