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SBA 7(a) franchise lending portfolio
Northwest Bank
GOOD risk
- Total loans
- 200
- Loan volume
- $82.1M
- Avg loan size
- $411K
- Default rate
- 8.1%
- vs 15.4% national avg
Defaults
10
Avg interest
6.94%
Franchises funded
122
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway | 9 | $2.3M | 0.0% |
| Subway Sandwich Shop | 6 | $997K | 0.0% |
| tanworld | 5 | $913K | 0.0% |
| Altitude Trampoline Park | 5 | $6.6M | 33.3% |
| Fox's Pizza Den | 5 | $866K | — |
| Quiznos | 4 | $575K | 50.0% |
| F45 Training | 4 | $500K | 0.0% |
| Ace Hardware | 4 | $5.4M | 0.0% |
| Pizza Ranch | 3 | $405K | 33.3% |
| Denny's | 3 | $2.5M | 0.0% |
| Firehouse Subs | 3 | $1.1M | 66.7% |
| Biggby Coffee | 3 | $450K | 0.0% |
| Dairy Queen of S.W. PA, Inc. | 3 | $1.5M | 0.0% |
| CKO Kickboxing | 3 | $70K | — |
| Monster Tree Service | 3 | $3.0M | — |
| Hand and Stone Massage and Fac | 3 | $699K | 0.0% |
| Petrucci's Dairy Barn | 2 | $165K | 0.0% |
| Unishippers | 2 | $779K | 0.0% |
| Cold Stone Creamery, Inc. | 2 | $209K | 0.0% |
| Scooter's Coffee | 2 | $1.1M | 0.0% |
Lending volume by year
2'92
1
1
3
1
1'00
6
1
1
1
2'05
2
3
3
8
4'11
10
7
5
4
7'16
5
15
19
14
16'21
12
10
12
23
1'26
Northwest Bank default rate by loan vintage
BrandNational avg
Geographic exposure
4211.8%
340.0%
340.0%
170.0%
150.0%
130.0%
1128.6%
937.5%
80.0%
4—
Portfolio summary
Total funded$82.1M
Defaults10 of 200
Risk tierGOOD
Avg rate6.94%
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%).