BB
SBA 7(a) franchise lending portfolio
Builtwell Bank
CRITICAL risk
- Total loans
- 36
- Loan volume
- $13.8M
- Avg loan size
- $384K
- Charge-off 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% (low risk) |
| Schlotzsky's Sandwich Shop | 3 | $1.2M | 0.0% (low risk) |
| Meineke Car Care | 3 | $705K | 66.7% (very high risk) |
| Iga Food Stores | 2 | $798K | 0.0% (low risk) |
| Central Park Hamburgers | 2 | $215K | 0.0% (low risk) |
| Dairy Queen | 2 | $920K | 50.0% (very high risk) |
| Great Clips | 2 | $145K | 0.0% (low risk) |
| Travel Agents International | 1 | $50K | 100.0% (very high risk) |
| Amoco (gas Station) | 1 | $272K | 0.0% (low risk) |
| Econo Lodge Motel | 1 | $1.0M | 100.0% (very high risk) |
| Super Wash | 1 | $750K | 100.0% (very high risk) |
| Wicks 'n' Sticks | 1 | $100K | 0.0% (low risk) |
| Sno Biz | 1 | $45K | 0.0% (low risk) |
| Knights Inn | 1 | $1.0M | 0.0% (low risk) |
| Koa Kampgrounds(kampgrounds Of | 1 | $500K | 0.0% (low risk) |
| Cottman Transmission | 1 | $75K | 0.0% (low risk) |
| Planet Smoothie | 1 | $113K | 100.0% (very high risk) |
| Bright Star Learning Center | 1 | $150K | 0.0% (low risk) |
| Knights Inn | 1 | $700K | 0.0% (low risk) |
| Philly Connection | 1 | $125K | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
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 Builtwell Bank originated?
- 36 loans totaling $13.8M. The portfolio carries a 20.6% charge-off rate, earning a “CRITICAL” 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 Builtwell Bank fund the most?
- The “Top franchise exposures” table above lists the brands Builtwell 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.