SN
SBA 7(a) franchise lending portfolio
Southwestern National Bank
Risk rating: Excellent
- Total loans
- 78
- Loan volume
- $155.7M
- Avg loan size
- $2.0M
- Charge-off rate
- 0.0%
- vs 16.0% national
Charged off
0
Avg interest
7.75%
Franchises funded
57
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Sunoco, LLC (Various Brands) F | 4 | $10.0M | N/A |
| Best Western - Membership Agre | 4 | $16.9M | N/A |
| Tune Up; The Manly Salon | 3 | $691K | N/A |
| Christensen Inc. dba Powell Pr | 3 | $5.9M | N/A |
| SEI Fuel Services, Inc (Multi | 3 | $9.2M | N/A |
| US Global Fuels Ltd - Supplier | 2 | $3.0M | N/A |
| Nekter Juice Bar | 2 | $475K | N/A |
| Empire Petroleum Partners - Pe | 2 | $1.4M | N/A |
| Sunshine Petroleum Distributor | 2 | $3.1M | N/A |
| Rockport Group, LLC dba Petrol | 2 | $4.7M | N/A |
| Classic Star Group (Distributo | 2 | $3.4M | N/A |
| PetroTex Fuels, Inc (Multi-Bra | 2 | $3.7M | N/A |
| Quality Inn by Choice Hotels / | 2 | $5.5M | N/A |
| GPM Empire, LLC (Multi Brands) | 2 | $5.1M | N/A |
| Quiznos | 1 | $150K | N/A |
| Swati Enterprises Inc.(Valero) | 1 | $3.2M | N/A |
| Hiccups | 1 | $280K | N/A |
| Sleep Inn/Sleep Inn & Suites | 1 | $5.0M | N/A |
| Magnuson Hotels | 1 | $5.0M | N/A |
| Ace Hardware | 1 | $2.9M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2002 | 1 |
| FY2017 | 1 |
| FY2018 | 1 |
| FY2019 | 6 |
| FY2020 | 17 |
| FY2021 | 5 |
| FY2022 | 3 |
| FY2023 | 11 |
| FY2024 | 13 |
| FY2025 | 18 |
| FY2026 | 2 |
SBA 7(a) · charge-off rate by approval year
Southwestern National Bank charge-off rate by loan vintage
Only 1 of these 3 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 |
|---|---|---|---|
| 2019 | 4 | 0 | Too few |
| 2020 | 10 | 0 | 0.0% |
| 2021 | 3 | 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.
Geographic exposure
470.0% (excellent)
120.0% (excellent)
4N/A
4N/A
4N/A
3N/A
1N/A
1N/A
1N/A
1N/A
Portfolio summary
Total funded$155.7M
Charged off0 of 78
Risk tierExcellent
Avg rate7.75%
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 Southwestern National Bank originated?
- 78 loans totaling $155.7M. The portfolio carries a 0.0% charge-off rate, earning a “Excellent” 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. Southwestern National Bank's rate of 0.0% 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 Southwestern National Bank fund the most?
- The “Top franchise exposures” table above lists the brands Southwestern National 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.