SB
SBA 7(a) franchise lending portfolio
SouthWest Bank
Risk rating: Good
- Total loans
- 52
- Loan volume
- $22.7M
- Avg loan size
- $436K
- Charge-off rate
- 6.9%
- vs 16.0% national
Charged off
2
Avg interest
6.21%
Franchises funded
35
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Firehouse Subs | 8 | $3.1M | N/A |
| Dickey's Barbecue Pit | 3 | $815K | N/A |
| Complete Nutrition | 3 | $528K | N/A |
| Code Ninjas | 2 | $457K | N/A |
| Nothing Bundt Cakes | 2 | $430K | N/A |
| Tropical Smoothie Cafe | 2 | $740K | N/A |
| Walk-On's Bistreaux & Bar | 2 | $2.8M | N/A |
| Locker Room Haircuts | 2 | $311K | N/A |
| Vitality Bowls | 2 | $543K | N/A |
| HTeaO | 2 | $3.0M | N/A |
| Golf Etc. | 1 | $395K | N/A |
| Dippin Dots | 1 | $180K | N/A |
| Cd Warehouse | 1 | $130K | N/A |
| Scott's Lawnservice | 1 | $100K | N/A |
| Great American Cookies | 1 | $189K | N/A |
| Scotts Lawnservice | 1 | $50K | N/A |
| The Woodhouse Day Spa | 1 | $740K | N/A |
| Allstate Insurance | 1 | $225K | N/A |
| Qdoba Mexican Grill | 1 | $389K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2004 | 1 |
| FY2005 | 2 |
| FY2009 | 2 |
| FY2010 | 3 |
| FY2011 | 1 |
| FY2012 | 2 |
| FY2014 | 3 |
| FY2015 | 2 |
| FY2016 | 7 |
| FY2017 | 1 |
| FY2018 | 3 |
| FY2019 | 3 |
| FY2020 | 3 |
| FY2021 | 8 |
| FY2022 | 4 |
| FY2023 | 4 |
| FY2024 | 2 |
| FY2025 | 1 |
SBA 7(a) · charge-off rate by approval year
SouthWest Bank charge-off rate by loan vintage
None of these 4 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2010 | 3 | 0 | Too few |
| 2014 | 3 | 0 | Too few |
| 2016 | 4 | 1 | Too few |
| 2021 | 4 | 0 | Too early |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
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). 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. SouthWest Bank's rate of 6.9% is below 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 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.