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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
- Default 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 | — |
| Urban Air Adventure Park | 3 | $14.7M | — |
| Prime IV Hydration & Wellness | 3 | $1.3M | — |
| SweatHouz | 3 | $2.4M | — |
| The Learning Experience | 3 | $1.5M | — |
| Domino's | 3 | $2.1M | — |
| Hand and Stone Massage and Fac | 2 | $1.5M | — |
| Handel's Homemade Ice Cream Si | 2 | $1.0M | — |
| Firehouse Subs | 2 | $2.4M | — |
| Jimmy John's | 2 | $875K | — |
| Fastsigns | 2 | $2.4M | 0.0% |
| Primrose Schools | 2 | $1.3M | — |
| We Rock The Spectrum Kid's Gym | 2 | $922K | — |
| P.volve | 2 | $1.2M | — |
| Heyday | 2 | $1.9M | 0.0% |
| Fs8 | 2 | $1.2M | — |
| Scooter's Coffee | 2 | $2.6M | — |
| Camp Bow Wow | 2 | $2.7M | — |
| Big Blue Swim School | 1 | $3.6M | — |
| Goldfish Swim School | 1 | $2.5M | — |
Lending volume by year
6'22
13'23
18'24
27'25
4'26
Geographic exposure
11—
80.0%
70.0%
6—
30.0%
3—
2—
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
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%).