BB
SBA 7(a) franchise lending portfolio
Bankwell Bank
ELEVATED risk
- Total loans
- 11
- Loan volume
- $3.7M
- Avg loan size
- $332K
- Charge-off rate
- 16.7%
- vs 15.4% national avg
Defaults
1
Avg interest
7.50%
Franchises funded
9
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway | 2 | $758K | 0.0% (low risk) |
| Subway Sandwich Shop | 2 | $275K | 0.0% (low risk) |
| Alphagraphics, Printshops Of T | 1 | $150K | 0.0% (low risk) |
| Fleet Feet | 1 | $125K | 100.0% (very high risk) |
| Ace Hardware | 1 | $1.4M | 0.0% (low risk) |
| Goosehead Insurance | 1 | $115K | N/A |
| Zoomin Groomin | 1 | $180K | N/A |
| Everline Coatings and Services | 1 | $350K | N/A |
| Firehouse Subs | 1 | $300K | N/A |
Lending volume by year
1'10
2'11
1'13
1'14
1'15
1'16
2'25
2'26
Geographic exposure
Portfolio summary
Total funded$3.7M
Defaults1 of 11
Risk tierELEVATED
Avg rate7.50%
Source: SBA 7(a) 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%).
Frequently asked questions
- How many SBA 7(a) franchise loans has Bankwell Bank originated?
- 11 loans totaling $3.7M. The portfolio carries a 16.7% charge-off rate, earning a “ELEVATED” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- Where does this lending data come from?
- SBA 7(a) loan records released under the Freedom of Information Act. Each record carries approval date, amount, lender, business type, NAICS code, location, and outcome. See methodology.
- Which franchise brands does Bankwell Bank fund the most?
- The “Top franchise exposures” table above lists the brands Bankwell Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.