SB
SBA 7(a) franchise lending portfolio
SouthWest Bank
GOOD risk
- Total loans
- 52
- Loan volume
- $22.7M
- Avg loan size
- $436K
- Charge-off rate
- 6.9%
- vs 15.4% national avg
Defaults
2
Avg interest
6.21%
Franchises funded
35
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Firehouse Subs | 5 | $1.6M | N/A |
| Firehouse Subs | 3 | $1.5M | 0.0% (low risk) |
| Dickey's Barbecue Pit | 3 | $815K | 0.0% (low risk) |
| Complete Nutrition | 3 | $528K | 0.0% (low risk) |
| Code Ninjas | 2 | $457K | N/A |
| Nothing Bundt Cakes | 2 | $430K | 0.0% (low risk) |
| Tropical Smoothie Cafe | 2 | $740K | 0.0% (low risk) |
| Walk-On's Bistreaux & Bar | 2 | $2.8M | 0.0% (low risk) |
| Locker Room Haircuts | 2 | $311K | N/A |
| Vitality Bowls | 2 | $543K | N/A |
| HTeaO | 2 | $3.0M | 0.0% (low risk) |
| Golf Etc. | 1 | $395K | 0.0% (low risk) |
| Dippin Dots | 1 | $180K | 0.0% (low risk) |
| Cd Warehouse | 1 | $130K | 0.0% (low risk) |
| Scott's Lawnservice | 1 | $100K | 0.0% (low risk) |
| Great American Cookies | 1 | $189K | 0.0% (low risk) |
| Scotts Lawnservice | 1 | $50K | 0.0% (low risk) |
| The Woodhouse Day Spa | 1 | $740K | 0.0% (low risk) |
| Allstate Insurance | 1 | $225K | 0.0% (low risk) |
| Qdoba Mexican Grill | 1 | $389K | 0.0% (low risk) |
Lending volume by year
1'04
2'05
2'09
3'10
1'11
2'12
3'14
2'15
7'16
1'17
3'18
3'19
3'20
8'21
4'22
4'23
2'24
1'25
SouthWest Bank charge-off rate by loan vintage
BrandNational avg
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 SouthWest Bank originated?
- 52 loans totaling $22.7M. The portfolio carries a 6.9% 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 SouthWest Bank fund the most?
- The “Top franchise exposures” table above lists the brands SouthWest 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.