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SBA 7(a) franchise lending portfolio
Bank of the Southwest
CRITICAL risk
- Total loans
- 16
- Loan volume
- $3.7M
- Avg loan size
- $234K
- Default rate
- 20.0%
- vs 15.4% national avg
Defaults
3
Avg interest
5.50%
Franchises funded
15
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Thrifty Rent-A-Car | 2 | $314K | 0.0% |
| Schlotzsky's Sandwich Shop | 1 | $140K | 0.0% |
| K Bob's Steakhouse | 1 | $208K | 100.0% |
| Toyota (dealers) | 1 | $350K | 0.0% |
| World Inspection Network | 1 | $68K | 100.0% |
| Ace Hardware | 1 | $40K | 0.0% |
| Captain D's | 1 | $125K | 0.0% |
| Radio Shack | 1 | $135K | 0.0% |
| Subway Sandwich Shop | 1 | $155K | 0.0% |
| Papa Murphy's Take & Bake Pizz | 1 | $215K | 0.0% |
| H & R Block | 1 | $75K | 100.0% |
| Budget Inn | 1 | $416K | 0.0% |
| Housemaster | 1 | $108K | 0.0% |
| Bee Hive Homes | 1 | $1.2M | — |
| The UPS Store (f/k/a Mail Box | 1 | $200K | 0.0% |
Lending volume by year
1'94
2'95
1'96
1'97
2'99
2'02
2'03
1'07
1'08
1'14
1'17
1'21
Geographic exposure
Portfolio summary
Total funded$3.7M
Defaults3 of 16
Risk tierCRITICAL
Avg rate5.50%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default 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%), Critical (>20%).