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SBA 7(a) franchise lending portfolio
Builtwell Bank
CRITICAL risk
- Total loans
- 36
- Loan volume
- $13.8M
- Avg loan size
- $384K
- Default rate
- 20.6%
- vs 15.4% national avg
Defaults
7
Avg interest
6.39%
Franchises funded
26
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Blimpie | 3 | $210K | 0.0% |
| Schlotzsky's Sandwich Shop | 3 | $1.2M | 0.0% |
| Meineke Car Care | 3 | $705K | 66.7% |
| Iga Food Stores | 2 | $798K | 0.0% |
| Central Park Hamburgers | 2 | $215K | 0.0% |
| Dairy Queen | 2 | $920K | 50.0% |
| Great Clips | 2 | $145K | 0.0% |
| Travel Agents International | 1 | $50K | 100.0% |
| Amoco (gas Station) | 1 | $272K | 0.0% |
| Econo Lodge Motel | 1 | $1.0M | 100.0% |
| Super Wash | 1 | $750K | 100.0% |
| Wicks 'n' Sticks | 1 | $100K | 0.0% |
| Sno Biz | 1 | $45K | 0.0% |
| Knights Inn | 1 | $1.0M | 0.0% |
| Koa Kampgrounds(kampgrounds Of | 1 | $500K | 0.0% |
| Cottman Transmission | 1 | $75K | 0.0% |
| Planet Smoothie | 1 | $113K | 100.0% |
| Bright Star Learning Center | 1 | $150K | 0.0% |
| Knights Inn | 1 | $700K | 0.0% |
| Philly Connection | 1 | $125K | 0.0% |
Lending volume by year
1'93
4'95
4'96
5'97
2'98
5'99
1'00
4'01
3'03
1'04
1'05
1'09
1'11
1'15
1'18
1'23
Builtwell Bank default rate by loan vintage
BrandNational avg
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%).