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SBA 7(a) franchise lending portfolio
Southwestern National Bank
EXCELLENT risk
- Total loans
- 78
- Loan volume
- $155.7M
- Avg loan size
- $2.0M
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
7.75%
Franchises funded
57
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Sunoco, LLC (Various Brands) F | 4 | $10.0M | 0.0% |
| Best Western - Membership Agre | 4 | $16.9M | 0.0% |
| Tune Up; The Manly Salon | 3 | $691K | 0.0% |
| Christensen Inc. dba Powell Pr | 3 | $5.9M | — |
| SEI Fuel Services, Inc (Multi | 3 | $9.2M | — |
| US Global Fuels Ltd - Supplier | 2 | $3.0M | 0.0% |
| Nekter Juice Bar | 2 | $475K | — |
| Empire Petroleum Partners - Pe | 2 | $1.4M | 0.0% |
| Sunshine Petroleum Distributor | 2 | $3.1M | 0.0% |
| Rockport Group, LLC dba Petrol | 2 | $4.7M | 0.0% |
| Classic Star Group (Distributo | 2 | $3.4M | — |
| PetroTex Fuels, Inc (Multi-Bra | 2 | $3.7M | 0.0% |
| Quality Inn by Choice Hotels / | 2 | $5.5M | — |
| GPM Empire, LLC (Multi Brands) | 2 | $5.1M | — |
| Quiznos | 1 | $150K | 0.0% |
| Swati Enterprises Inc.(Valero) | 1 | $3.2M | — |
| Hiccups | 1 | $280K | 0.0% |
| Sleep Inn/Sleep Inn & Suites | 1 | $5.0M | 0.0% |
| Magnuson Hotels | 1 | $5.0M | 0.0% |
| Ace Hardware | 1 | $2.9M | — |
Lending volume by year
1'02
1'17
1'18
6'19
17'20
5'21
3'22
11'23
13'24
18'25
2'26
Southwestern National Bank default rate by loan vintage
BrandNational avg
Geographic exposure
470.0%
120.0%
4—
4—
3—
1—
1—
1—
Portfolio summary
Total funded$155.7M
Defaults0 of 78
Risk tierEXCELLENT
Avg rate7.75%
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%).