SBA 7(a) franchise lending portfolio
Community West Bank
- Total loans
- 438
- Loan volume
- $127.4M
- Avg loan size
- $291K
- Charge-off rate
- 38.6%
- vs 16.0% national
Charged off
166
Avg interest
6.05%
Franchises funded
182
Risk rating
High Risk
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Mail Boxes Etc. Usa | 30 | $4.8M | 23.3% (high risk) |
| Quiznos | 28 | $4.4M | 46.4% (high risk) |
| Minuteman Press | 16 | $3.0M | 25.0% (high risk) |
| Smoothie King (health Food Sto | 15 | $3.9M | 73.3% (high risk) |
| Edible Arrangements | 14 | $2.8M | 7.1% (good) |
| Cartridge World | 12 | $1.8M | 58.3% (high risk) |
| Subway Sandwich Shop | 10 | $3.3M | 0.0% (excellent) |
| Aussie Pet Mobile Villa Park | 10 | $1.2M | 20.0% (high risk) |
| Rita's Real Italian Water Ice | 10 | $3.2M | 60.0% (high risk) |
| Massage Envy | 10 | $3.1M | 0.0% (excellent) |
| Moe's Sw Grill | 7 | $2.3M | N/A |
| Cottman Transmission | 7 | $1.2M | N/A |
| Little Ceasar's Pizza | 7 | $2.2M | N/A |
| Huntington Learning Center | 7 | $2.6M | N/A |
| Firehouse Subs | 7 | $1.4M | N/A |
| Maggiemoo's (ice Cream) | 6 | $1.7M | N/A |
| Jimboy's Tacos | 6 | $2.9M | N/A |
| Tropical Smoothie | 5 | $1.5M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1995 | 1 |
| FY1996 | 6 |
| FY1997 | 5 |
| FY1998 | 5 |
| FY1999 | 4 |
| FY2000 | 17 |
| FY2001 | 24 |
| FY2002 | 30 |
| FY2003 | 43 |
| FY2004 | 55 |
| FY2005 | 47 |
| FY2006 | 38 |
| FY2007 | 48 |
| FY2008 | 68 |
| FY2009 | 22 |
| FY2010 | 1 |
| FY2011 | 1 |
| FY2012 | 1 |
| FY2013 | 1 |
| FY2015 | 6 |
| FY2016 | 2 |
| FY2017 | 3 |
| FY2018 | 3 |
| FY2019 | 1 |
| FY2021 | 4 |
| FY2026 | 2 |
SBA 7(a) · charge-off rate by approval year
Community West Bank: above all franchise loans in 8 of 10 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1996 | 6 | 2 | Too few |
| 1997 | 5 | 1 | Too few |
| 1998 | 5 | 2 | Too few |
| 1999 | 4 | 1 | Too few |
| 2000 | 17 | 3 | 17.6% |
| 2001 | 24 | 7 | 29.2% |
| 2002 | 30 | 5 | 16.7% |
| 2003 | 43 | 9 | 20.9% |
| 2004 | 55 | 21 | 38.2% |
| 2005 | 47 | 20 | 42.6% |
| 2006 | 38 | 19 | 50.0% |
| 2007 | 48 | 26 | 54.2% |
| 2008 | 68 | 40 | 58.8% |
| 2009 | 22 | 10 | 45.5% |
| 2015 | 6 | 0 | Too few |
| 2021 | 3 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
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 “High Risk” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Community West Bank's rate of 38.6% is above the national rate.
- 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.