SBA 7(a) franchise lending portfolio
Midwest Regional Bank
- Total loans
- 241
- Loan volume
- $111.7M
- Avg loan size
- $463K
- Charge-off rate
- 26.1%
- vs 16.0% national
Charged off
34
Avg interest
7.40%
Franchises funded
174
Risk rating
High Risk
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Hotworx | 9 | $3.6M | N/A |
| Dairy Queen | 9 | $6.4M | N/A |
| Crumbl | 6 | $2.3M | N/A |
| Smoothie King | 5 | $1.7M | N/A |
| Code Ninjas | 4 | $912K | N/A |
| Jersey Mike's | 4 | $1.4M | N/A |
| Premier Martial Arts Studio | 4 | $1.0M | N/A |
| Nekter Juice Bar | 3 | $1.0M | N/A |
| Wow Wow Hawaiian Lemonade | 3 | $764K | N/A |
| Reis & Irvy's | 3 | $689K | N/A |
| Stretch Lab | 3 | $841K | N/A |
| Play Street Museum | 3 | $758K | N/A |
| F45 Training | 3 | $636K | N/A |
| The Toasted Yolk Cafe | 3 | $2.4M | N/A |
| The UPS Store (f/k/a Mail Box | 3 | $1.5M | N/A |
| LemonShark Poke | 2 | $841K | N/A |
| Rush Cycle | 2 | $828K | N/A |
| Supercuts | 2 | $300K | N/A |
| Quality Inn/Quality Suites, Ho | 2 | $3.5M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2010 | 2 |
| FY2011 | 7 |
| FY2012 | 6 |
| FY2013 | 1 |
| FY2014 | 6 |
| FY2015 | 5 |
| FY2016 | 11 |
| FY2017 | 5 |
| FY2018 | 38 |
| FY2019 | 50 |
| FY2020 | 40 |
| FY2021 | 32 |
| FY2022 | 6 |
| FY2023 | 10 |
| FY2024 | 11 |
| FY2025 | 4 |
| FY2026 | 7 |
SBA 7(a) · charge-off rate by approval year
Midwest Regional Bank: above all franchise loans in each of the 5 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2011 | 7 | 2 | Too few |
| 2012 | 6 | 1 | Too few |
| 2014 | 6 | 0 | Too few |
| 2015 | 5 | 0 | Too few |
| 2016 | 11 | 3 | 27.3% |
| 2017 | 3 | 0 | Too few |
| 2018 | 25 | 7 | 28.0% |
| 2019 | 29 | 12 | 41.4% |
| 2020 | 21 | 5 | 23.8% |
| 2021 | 10 | 2 | 20.0% |
| 2022 | 3 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
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 Midwest Regional Bank originated?
- 241 loans totaling $111.7M. The portfolio carries a 26.1% charge-off rate, earning a “High Risk” 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. Midwest Regional Bank's rate of 26.1% is above 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 Midwest Regional Bank fund the most?
- The “Top franchise exposures” table above lists the brands Midwest Regional Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.