LB
SBA 7(a) franchise lending portfolio
LaSalle Bank Midwest N.A.
CRITICAL risk
- Total loans
- 13
- Loan volume
- $2.7M
- Avg loan size
- $209K
- Charge-off rate
- 30.8%
- vs 15.4% national avg
Defaults
4
Avg interest
N/A
Franchises funded
13
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Hungry Howie's | 1 | $100K | 100.0% (very high risk) |
| Jets Pizza | 1 | $65K | 0.0% (low risk) |
| Papa John's Pizza | 1 | $100K | 0.0% (low risk) |
| Big Apple Bagels | 1 | $100K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $65K | 100.0% (very high risk) |
| Orange Julius | 1 | $71K | 0.0% (low risk) |
| Auto Lab | 1 | $100K | 0.0% (low risk) |
| Deck The Walls | 1 | $90K | 100.0% (very high risk) |
| Putt Putt Golf Course | 1 | $775K | 0.0% (low risk) |
| Expressions Custom Furniture | 1 | $250K | 100.0% (very high risk) |
| Schlotzsky's Sandwich Shop | 1 | $300K | 0.0% (low risk) |
| Econo Lodge Motel | 1 | $600K | 0.0% (low risk) |
| Top Value Car & Truck Service | 1 | $102K | 0.0% (low risk) |
Lending volume by year
4'96
8'97
1'02
Geographic exposure
1330.8% (very high risk)
Portfolio summary
Total funded$2.7M
Defaults4 of 13
Risk tierCRITICAL
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 LaSalle Bank Midwest N.A. originated?
- 13 loans totaling $2.7M. The portfolio carries a 30.8% charge-off rate, earning a “CRITICAL” 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 LaSalle Bank Midwest N.A. fund the most?
- The “Top franchise exposures” table above lists the brands LaSalle Bank Midwest N.A. has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.