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SBA 7(a) franchise lending portfolio
First Western SBLC, Inc
GOOD risk
- Total loans
- 784
- Loan volume
- $900.7M
- Avg loan size
- $1.1M
- Default rate
- 9.6%
- vs 15.4% national avg
Defaults
63
Avg interest
6.35%
Franchises funded
196
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Days Inn | 56 | $63.5M | 3.7% |
| Super 8 Motel | 31 | $31.8M | 0.0% |
| Cici's Pizza | 25 | $4.8M | 0.0% |
| Best Western Inn | 22 | $35.0M | 0.0% |
| Comfort Inn | 21 | $25.7M | 0.0% |
| Ramada Inn | 20 | $20.1M | 0.0% |
| Econo Lodge Motel | 18 | $15.0M | 0.0% |
| Deck The Walls | 16 | $2.4M | 18.8% |
| Quality Inn/Quality Suites, Ho | 16 | $32.2M | 0.0% |
| Quality Inn by Choice Hotels / | 16 | $35.3M | 0.0% |
| Color Tile | 15 | $2.1M | 33.3% |
| Travelodge | 14 | $10.9M | 0.0% |
| Days Inn by Wyndham | 14 | $23.9M | 0.0% |
| T-Shirts Plus | 13 | $1.2M | 23.1% |
| Red Roof Inn | 13 | $22.8M | 8.3% |
| Super 8 by Wyndhan | 13 | $19.9M | 0.0% |
| Red Roof Inn | 13 | $32.1M | 0.0% |
| Motel 6 | 11 | $14.8M | 0.0% |
| Motel 6 | 11 | $19.3M | 0.0% |
| Super 8 | 11 | $16.2M | 0.0% |
Lending volume by year
52'92
61
46
70
30
28'97
8
27
10
8
6'02
6
7
9
7
7'07
19
14
19
15
29'12
20
25
24
21
32'17
28
19
22
53
18'22
12
22
9
1'26
First Western SBLC, Inc default rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Geographic exposure
13715.0%
736.2%
630.0%
482.6%
4710.9%
425.4%
3412.1%
210.0%
215.0%
190.0%
Portfolio summary
Total funded$900.7M
Defaults63 of 784
Risk tierGOOD
Avg rate6.35%
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%).