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SBA 7(a) franchise lending portfolio
FWBank
Risk rating: Excellent
- Total loans
- 68
- Loan volume
- $69.7M
- Avg loan size
- $1.0M
- Charge-off rate
- 0.0%
- vs 16.0% national
Charged off
0
Avg interest
9.46%
Franchises funded
41
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| F45 Training | 6 | $3.4M | N/A |
| Urban Air Adventure Park | 3 | $14.7M | N/A |
| Prime IV Hydration & Wellness | 3 | $1.3M | N/A |
| SweatHouz | 3 | $2.4M | N/A |
| The Learning Experience | 3 | $1.5M | N/A |
| Domino's | 3 | $2.1M | N/A |
| Hand and Stone Massage and Fac | 2 | $1.5M | N/A |
| Handel's Homemade Ice Cream Si | 2 | $1.0M | N/A |
| Firehouse Subs | 2 | $2.4M | N/A |
| Jimmy John's | 2 | $875K | N/A |
| Fastsigns | 2 | $2.4M | N/A |
| Primrose Schools | 2 | $1.3M | N/A |
| We Rock The Spectrum Kid's Gym | 2 | $922K | N/A |
| P.volve | 2 | $1.2M | N/A |
| Heyday | 2 | $1.9M | N/A |
| Fs8 | 2 | $1.2M | N/A |
| Scooter's Coffee | 2 | $2.6M | N/A |
| Camp Bow Wow | 2 | $2.7M | N/A |
| Big Blue Swim School | 1 | $3.6M | N/A |
| Goldfish Swim School | 1 | $2.5M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2022 | 6 |
| FY2023 | 13 |
| FY2024 | 18 |
| FY2025 | 27 |
| FY2026 | 4 |
Geographic exposure
11N/A
8N/A
7N/A
6N/A
4N/A
3N/A
3N/A
3N/A
3N/A
2N/A
Portfolio summary
Total funded$69.7M
Charged off0 of 68
Risk tierExcellent
Avg rate9.46%
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 FWBank originated?
- 68 loans totaling $69.7M. The portfolio carries a 0.0% charge-off rate, earning a “Excellent” 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. FWBank's rate of 0.0% 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 FWBank fund the most?
- The “Top franchise exposures” table above lists the brands FWBank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.