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SBA 7(a) franchise lending portfolio
East West Bank
GOOD risk
- Total loans
- 373
- Loan volume
- $215.4M
- Avg loan size
- $578K
- Default rate
- 9.8%
- vs 15.4% national avg
Defaults
31
Avg interest
6.87%
Franchises funded
197
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Mail Boxes Etc. Usa | 30 | $4.3M | 10.0% |
| Quiznos | 16 | $2.5M | 31.2% |
| Dunkin Donuts | 13 | $5.2M | 0.0% |
| 986 Pharmacy | 9 | $4.5M | 0.0% |
| Dairy Queen | 8 | $2.6M | 12.5% |
| Subway Sandwich Shop | 7 | $888K | 0.0% |
| Yogurtland | 7 | $2.5M | 0.0% |
| Blimpie | 6 | $1.4M | 0.0% |
| Marble Slab Creamery | 6 | $635K | 16.7% |
| Mobil Oil (stations) | 5 | $3.3M | 0.0% |
| Arco (gas Station) | 5 | $2.8M | 0.0% |
| Arby's | 5 | $2.3M | 20.0% |
| Travelodge | 4 | $3.8M | 0.0% |
| Wetzel's Pretzel | 4 | $665K | 0.0% |
| Taco Bell | 3 | $689K | 0.0% |
| Gorin's Homemade Ice Cream | 3 | $414K | 0.0% |
| Kentucky Fried Chicken | 3 | $1.6M | 66.7% |
| Baskin-Robbins 31 Ice Cream | 3 | $838K | 0.0% |
| A & W Restaurant | 3 | $1.1M | 0.0% |
| Burger King | 3 | $1.9M | 0.0% |
Lending volume by year
6'92
8
11
7
10
16'97
19
14
16
24
24'02
20
14
13
10
15'07
11
2
1
2
1'12
6
11
12
15
14'17
7
7
5
4
9'22
13
9
13
4'26
East West Bank default rate by loan vintage
BrandNational avg
Geographic exposure
14412.2%
988.2%
8610.4%
120.0%
60.0%
60.0%
30.0%
2100.0%
2—
Portfolio summary
Total funded$215.4M
Defaults31 of 373
Risk tierGOOD
Avg rate6.87%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default 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%), Critical (>20%).