CW
SBA 7(a) franchise lending portfolio
Capital West Bank
EXCELLENT risk
- Total loans
- 10
- Loan volume
- $1.9M
- Avg loan size
- $192K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.88%
Franchises funded
8
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Little Ceasar's Pizza | 3 | $238K | 0.0% (low risk) |
| Curves For Women | 1 | $77K | 0.0% (low risk) |
| Fantastic Sam's | 1 | $56K | 0.0% (low risk) |
| Burger King | 1 | $230K | 0.0% (low risk) |
| Daylight Donut Shop | 1 | $132K | 0.0% (low risk) |
| Sonic | 1 | $385K | 0.0% (low risk) |
| Home Instead Senior Care | 1 | $307K | 0.0% (low risk) |
| Egg & I Restaurant (the) | 1 | $500K | 0.0% (low risk) |
Lending volume by year
1'94
1'98
1'00
1'01
1'02
2'04
1'06
1'11
1'14
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 Capital West Bank originated?
- 10 loans totaling $1.9M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Capital West Bank fund the most?
- The “Top franchise exposures” table above lists the brands Capital West 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.