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SBA 7(a) franchise lending portfolio
SouthWest Bank
GOOD risk
- Total loans
- 52
- Loan volume
- $22.7M
- Avg loan size
- $436K
- Default 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 | — |
| Firehouse Subs | 3 | $1.5M | 0.0% |
| Dickey's Barbecue Pit | 3 | $815K | 0.0% |
| Complete Nutrition | 3 | $528K | 0.0% |
| Code Ninjas | 2 | $457K | — |
| Nothing Bundt Cakes | 2 | $430K | 0.0% |
| Tropical Smoothie Cafe | 2 | $740K | 0.0% |
| Walk-On's Bistreaux & Bar | 2 | $2.8M | 0.0% |
| Locker Room Haircuts | 2 | $311K | — |
| Vitality Bowls | 2 | $543K | — |
| HTeaO | 2 | $3.0M | 0.0% |
| Golf Etc. | 1 | $395K | 0.0% |
| Dippin Dots | 1 | $180K | 0.0% |
| Cd Warehouse | 1 | $130K | 0.0% |
| Scott's Lawnservice | 1 | $100K | 0.0% |
| Great American Cookies | 1 | $189K | 0.0% |
| Scotts Lawnservice | 1 | $50K | 0.0% |
| The Woodhouse Day Spa | 1 | $740K | 0.0% |
| Allstate Insurance | 1 | $225K | 0.0% |
| Qdoba Mexican Grill | 1 | $389K | 0.0% |
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 default rate by loan vintage
BrandNational avg
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%).