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SBA 7(a) franchise lending portfolio
Southwest Capital Bank
GOOD risk
- Total loans
- 12
- Loan volume
- $29.3M
- Avg loan size
- $2.4M
- Default rate
- 8.3%
- vs 15.4% national avg
Defaults
1
Avg interest
5.42%
Franchises funded
9
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Comfort Inn | 2 | $5.1M | 0.0% |
| Motel 6 | 2 | $8.0M | 0.0% |
| Choice Hotels International In | 2 | $3.3M | 0.0% |
| Days Inn | 1 | $750K | 0.0% |
| Super 8 Motel | 1 | $1.1M | 100.0% |
| Hampton Inns | 1 | $5.0M | 0.0% |
| La Quinta Inn | 1 | $2.8M | 0.0% |
| Sleep Inn Motel | 1 | $2.0M | 0.0% |
| Quality Inn | 1 | $1.2M | 0.0% |
Lending volume by year
1'94
1'06
1'10
6'11
2'13
1'14
Geographic exposure
Portfolio summary
Total funded$29.3M
Defaults1 of 12
Risk tierGOOD
Avg rate5.42%
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%).