Question 1

How many SBA 7(a) franchise loans has Newtek Bank, National Association originated?

Accepted Answer

Newtek Bank, National Association has originated 128 SBA 7(a) franchise loans totaling $49.4M. The portfolio's charge-off rate is 0.0%, which earns a "EXCELLENT" risk rating per our methodology (Excellent <5% / Good 5-10% / Average 10-15% / Elevated 15-20% / High Risk >20%).

Question 2

What is the charge-off rate and why does it matter?

Accepted Answer

A charge-off is a loan the lender has written off as a loss after the borrower stopped paying. 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. Newtek Bank, National Association's rate of 0.0% is below the national average.

Question 3

Where does this lending data come from?

Accepted Answer

SBA 7(a) loan records released under the Freedom of Information Act. Each record includes approval date, amount, lender, borrower business type, NAICS code, location, and outcome (paid-in-full, charged-off, active). We match each franchise loan to a brand using normalized name matching. Methodology details at /methodology.

Question 4

Which franchise brands does Newtek Bank, National Association fund the most?

Accepted Answer

The "Top franchise exposures" table on this page lists the brands Newtek Bank, National Association has the largest concentration in by loan count. Click any brand to see its full FDD-disclosed financials, growth trajectory, and brand-specific SBA loan performance across all lenders.

Franchise	Loans	Volume	Default %
The UPS Store (f/k/a Mail Box	4	$625K	N/A
Pirtek	3	$1.3M	N/A
Huntington Learning Center	3	$300K	N/A
Restoration 1	2	$600K	N/A
Dickey's Barbecue Pit	2	$625K	N/A
Subway	2	$350K	N/A
Kanga's Indoor Playcenters	2	$925K	N/A
Mobility City	2	$700K	N/A
Ford Motor Company Dealer Sale	2	$5.0M	N/A
Matco Tools	2	$380K	N/A
Ace Hardware	2	$620K	N/A
Filta Environmental Kitchen So	2	$464K	0.0% (low risk)
Hotworx	2	$794K	N/A
Fitness for 10 - License Agree	2	$753K	N/A
AAMCO Transmissions	2	$909K	N/A
The Exercise Coach	2	$302K	N/A
F45 Training	2	$175K	N/A
Mathnasium Learning Centers	1	$80K	N/A
Cookies by Design	1	$150K	N/A
House Doctors	1	$150K	N/A

Newtek Bank, National Association

Top franchise exposures

Lending volume by year

Geographic exposure

Portfolio summary

Frequently asked questions