SN
SBA 7(a) franchise lending portfolio
Southwestern National Bank
EXCELLENT risk
- Total loans
- 78
- Loan volume
- $155.7M
- Avg loan size
- $2.0M
- Charge-off 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% (low risk) |
| Best Western - Membership Agre | 4 | $16.9M | 0.0% (low risk) |
| Tune Up; The Manly Salon | 3 | $691K | 0.0% (low risk) |
| 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 | 0.0% (low risk) |
| Nekter Juice Bar | 2 | $475K | N/A |
| Empire Petroleum Partners - Pe | 2 | $1.4M | 0.0% (low risk) |
| Sunshine Petroleum Distributor | 2 | $3.1M | 0.0% (low risk) |
| Rockport Group, LLC dba Petrol | 2 | $4.7M | 0.0% (low risk) |
| Classic Star Group (Distributo | 2 | $3.4M | N/A |
| PetroTex Fuels, Inc (Multi-Bra | 2 | $3.7M | 0.0% (low risk) |
| Quality Inn by Choice Hotels / | 2 | $5.5M | N/A |
| GPM Empire, LLC (Multi Brands) | 2 | $5.1M | N/A |
| Quiznos | 1 | $150K | 0.0% (low risk) |
| Swati Enterprises Inc.(Valero) | 1 | $3.2M | N/A |
| Hiccups | 1 | $280K | 0.0% (low risk) |
| Sleep Inn/Sleep Inn & Suites | 1 | $5.0M | 0.0% (low risk) |
| Magnuson Hotels | 1 | $5.0M | 0.0% (low risk) |
| Ace Hardware | 1 | $2.9M | N/A |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
470.0% (low risk)
120.0% (low risk)
4N/A
4N/A
4N/A
3N/A
1N/A
1N/A
1N/A
1N/A
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
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). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- 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.