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SBA 7(a) franchise lending portfolio
FWBank
EXCELLENT risk
- Total loans
- 68
- Loan volume
- $69.7M
- Avg loan size
- $1.0M
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
9.46%
Franchises funded
41
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| 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 | 0.0% (low risk) |
| 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 | 0.0% (low risk) |
| 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
6'22
13'23
18'24
27'25
4'26
Geographic exposure
11N/A
80.0% (low risk)
70.0% (low risk)
6N/A
4N/A
30.0% (low risk)
3N/A
3N/A
3N/A
2N/A
Portfolio summary
Total funded$69.7M
Defaults0 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). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- 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.