SBA 7(a) franchise lending portfolio
East West Bank
- Total loans
- 373
- Loan volume
- $215.4M
- Avg loan size
- $578K
- Charge-off rate
- 9.8%
- vs 16.0% national
Charged off
31
Avg interest
6.87%
Franchises funded
197
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Mail Boxes Etc. Usa | 30 | $4.3M | 10.0% (average) |
| Quiznos | 16 | $2.5M | 31.2% (high risk) |
| Dunkin Donuts | 13 | $5.2M | 0.0% (excellent) |
| 986 Pharmacy | 9 | $4.5M | N/A |
| Dairy Queen | 8 | $2.6M | N/A |
| Subway Sandwich Shop | 7 | $888K | N/A |
| Yogurtland | 7 | $2.5M | N/A |
| Blimpie | 6 | $1.4M | N/A |
| Marble Slab Creamery | 6 | $635K | N/A |
| Mobil Oil (stations) | 5 | $3.3M | N/A |
| Arco (gas Station) | 5 | $2.8M | N/A |
| Arby's | 5 | $2.3M | N/A |
| Travelodge | 4 | $3.8M | N/A |
| Wetzel's Pretzel | 4 | $665K | N/A |
| Taco Bell | 3 | $689K | N/A |
| Gorin's Homemade Ice Cream | 3 | $414K | N/A |
| Kentucky Fried Chicken | 3 | $1.6M | N/A |
| Baskin-Robbins 31 Ice Cream | 3 | $838K | N/A |
| A & W Restaurant | 3 | $1.1M | N/A |
| Burger King | 3 | $1.9M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 6 |
| FY1993 | 8 |
| FY1994 | 11 |
| FY1995 | 7 |
| FY1996 | 10 |
| FY1997 | 16 |
| FY1998 | 19 |
| FY1999 | 14 |
| FY2000 | 16 |
| FY2001 | 24 |
| FY2002 | 24 |
| FY2003 | 20 |
| FY2004 | 14 |
| FY2005 | 13 |
| FY2006 | 10 |
| FY2007 | 15 |
| FY2008 | 11 |
| FY2009 | 2 |
| FY2010 | 1 |
| FY2011 | 2 |
| FY2012 | 1 |
| FY2013 | 6 |
| FY2014 | 11 |
| FY2015 | 12 |
| FY2016 | 15 |
| FY2017 | 14 |
| FY2018 | 7 |
| FY2019 | 7 |
| FY2020 | 5 |
| FY2021 | 4 |
| FY2022 | 9 |
| FY2023 | 13 |
| FY2024 | 9 |
| FY2025 | 13 |
| FY2026 | 4 |
SBA 7(a) · charge-off rate by approval year
East West Bank: below all franchise loans in 15 of 18 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 |
|---|---|---|---|
| 1992 | 6 | 1 | Too few |
| 1993 | 8 | 0 | Too few |
| 1994 | 11 | 0 | 0.0% |
| 1995 | 7 | 0 | Too few |
| 1996 | 10 | 1 | 10.0% |
| 1997 | 16 | 0 | 0.0% |
| 1998 | 19 | 2 | 10.5% |
| 1999 | 14 | 1 | 7.1% |
| 2000 | 16 | 1 | 6.2% |
| 2001 | 24 | 1 | 4.2% |
| 2002 | 24 | 2 | 8.3% |
| 2003 | 20 | 0 | 0.0% |
| 2004 | 14 | 0 | 0.0% |
| 2005 | 13 | 6 | 46.2% |
| 2006 | 10 | 3 | 30.0% |
| 2007 | 15 | 8 | 53.3% |
| 2008 | 11 | 4 | 36.4% |
| 2013 | 5 | 0 | Too few |
| 2014 | 11 | 0 | 0.0% |
| 2015 | 12 | 0 | 0.0% |
| 2016 | 14 | 0 | 0.0% |
| 2017 | 10 | 0 | 0.0% |
| 2018 | 6 | 0 | Too few |
| 2019 | 6 | 0 | Too few |
| 2021 | 3 | 0 | Too early |
| 2022 | 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 East West Bank originated?
- 373 loans totaling $215.4M. The portfolio carries a 9.8% charge-off rate, earning a “Good” 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. East West Bank's rate of 9.8% is below 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 East West Bank fund the most?
- The “Top franchise exposures” table above lists the brands East 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.