NB
SBA 7(a) franchise lending portfolio
Northwest Bank
GOOD risk
- Total loans
- 200
- Loan volume
- $82.1M
- Avg loan size
- $411K
- Charge-off 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% (low risk) |
| Subway Sandwich Shop | 6 | $997K | 0.0% (low risk) |
| tanworld | 5 | $913K | 0.0% (low risk) |
| Altitude Trampoline Park | 5 | $6.6M | 33.3% (very high risk) |
| Fox's Pizza Den | 5 | $866K | N/A |
| Quiznos | 4 | $575K | 50.0% (very high risk) |
| F45 Training | 4 | $500K | 0.0% (low risk) |
| Ace Hardware | 4 | $5.4M | 0.0% (low risk) |
| Pizza Ranch | 3 | $405K | 33.3% (very high risk) |
| Denny's | 3 | $2.5M | 0.0% (low risk) |
| Firehouse Subs | 3 | $1.1M | 66.7% (very high risk) |
| Biggby Coffee | 3 | $450K | 0.0% (low risk) |
| Dairy Queen of S.W. PA, Inc. | 3 | $1.5M | 0.0% (low risk) |
| CKO Kickboxing | 3 | $70K | N/A |
| Monster Tree Service | 3 | $3.0M | N/A |
| Hand and Stone Massage and Fac | 3 | $699K | 0.0% (low risk) |
| Petrucci's Dairy Barn | 2 | $165K | 0.0% (low risk) |
| Unishippers | 2 | $779K | 0.0% (low risk) |
| Cold Stone Creamery, Inc. | 2 | $209K | 0.0% (low risk) |
| Scooter's Coffee | 2 | $1.1M | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
4211.8% (elevated risk)
340.0% (low risk)
340.0% (low risk)
170.0% (low risk)
150.0% (low risk)
130.0% (low risk)
1128.6% (very high risk)
937.5% (very high risk)
80.0% (low risk)
4N/A
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
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 Northwest Bank originated?
- 200 loans totaling $82.1M. The portfolio carries a 8.1% charge-off rate, earning a “GOOD” 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 Northwest Bank fund the most?
- The “Top franchise exposures” table above lists the brands Northwest 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.