CW
SBA 7(a) franchise lending portfolio
Community West Bank
CRITICAL risk
- Total loans
- 438
- Loan volume
- $127.4M
- Avg loan size
- $291K
- Charge-off rate
- 38.6%
- vs 15.4% national avg
Defaults
166
Avg interest
6.05%
Franchises funded
182
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quiznos | 28 | $4.4M | 46.4% (very high risk) |
| Mail Boxes Etc. Usa | 18 | $2.9M | 16.7% (high risk) |
| Minuteman Press | 16 | $3.0M | 25.0% (very high risk) |
| Smoothie King (health Food Sto | 15 | $3.9M | 73.3% (very high risk) |
| Edible Arrangements | 14 | $2.8M | 7.1% (moderate risk) |
| Cartridge World | 12 | $1.8M | 58.3% (very high risk) |
| Subway Sandwich Shop | 10 | $3.3M | 0.0% (low risk) |
| Aussie Pet Mobile Villa Park | 10 | $1.2M | 20.0% (very high risk) |
| Rita's Real Italian Water Ice | 10 | $3.2M | 60.0% (very high risk) |
| Massage Envy | 10 | $3.1M | 0.0% (low risk) |
| The UPS Store | 7 | $1.0M | 57.1% (very high risk) |
| Moe's Sw Grill | 7 | $2.3M | 42.9% (very high risk) |
| Cottman Transmission | 7 | $1.2M | 71.4% (very high risk) |
| Little Ceasar's Pizza | 7 | $2.2M | 14.3% (elevated risk) |
| Huntington Learning Center | 7 | $2.6M | 100.0% (very high risk) |
| Firehouse Subs | 7 | $1.4M | 0.0% (low risk) |
| Maggiemoo's (ice Cream) | 6 | $1.7M | 16.7% (high risk) |
| Jimboy's Tacos | 6 | $2.9M | 0.0% (low risk) |
| UPS Store | 5 | $792K | 0.0% (low risk) |
| Tropical Smoothie | 5 | $1.5M | 60.0% (very high risk) |
Lending volume by year
1'95
6
5
5
4
17'00
24
30
43
55
47'05
38
48
68
22
1'10
1
1
1
6
2'16
3
3
1
4
2'26
Community West Bank charge-off rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Geographic exposure
14822.1% (very high risk)
6939.1% (very high risk)
5944.1% (very high risk)
5356.6% (very high risk)
2166.7% (very high risk)
1637.5% (very high risk)
1330.8% (very high risk)
1250.0% (very high risk)
1010.0% (elevated risk)
1040.0% (very high risk)
Portfolio summary
Total funded$127.4M
Defaults166 of 438
Risk tierCRITICAL
Avg rate6.05%
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 Community West Bank originated?
- 438 loans totaling $127.4M. The portfolio carries a 38.6% 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 Community West Bank fund the most?
- The “Top franchise exposures” table above lists the brands Community 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.