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SBA 7(a) franchise lending portfolio
Bankwell Bank
ELEVATED risk
- Total loans
- 11
- Loan volume
- $3.7M
- Avg loan size
- $332K
- Default 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% |
| Subway Sandwich Shop | 2 | $275K | 0.0% |
| Alphagraphics, Printshops Of T | 1 | $150K | 0.0% |
| Fleet Feet | 1 | $125K | 100.0% |
| Ace Hardware | 1 | $1.4M | 0.0% |
| Goosehead Insurance | 1 | $115K | — |
| Zoomin Groomin | 1 | $180K | — |
| Everline Coatings and Services | 1 | $350K | — |
| Firehouse Subs | 1 | $300K | — |
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
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%).