SB
SBA 7(a) franchise lending portfolio
State Bank Northwest
AVERAGE risk
- Total loans
- 10
- Loan volume
- $4.2M
- Avg loan size
- $424K
- Charge-off rate
- 11.1%
- vs 15.4% national avg
Defaults
1
Avg interest
5.81%
Franchises funded
9
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Huntington Learning Center | 2 | $275K | 50.0% (very high risk) |
| Dr. Vinyl (vinyl Uphol., Etc.) | 1 | $42K | 0.0% (low risk) |
| Edo Japan | 1 | $675K | 0.0% (low risk) |
| Worldwide Express | 1 | $52K | 0.0% (low risk) |
| Batteries | 1 | $490K | 0.0% (low risk) |
| Jiffy Lube | 1 | $790K | 0.0% (low risk) |
| Sears Hometown Store | 1 | $105K | 0.0% (low risk) |
| Batteries Plus | 1 | $450K | 0.0% (low risk) |
| ProSource Wholesale | 1 | $1.4M | N/A |
Lending volume by year
1'01
2'02
1'03
2'04
1'10
1'13
1'14
1'21
Geographic exposure
912.5% (elevated risk)
10.0% (low risk)
Portfolio summary
Total funded$4.2M
Defaults1 of 10
Risk tierAVERAGE
Avg rate5.81%
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 State Bank Northwest originated?
- 10 loans totaling $4.2M. The portfolio carries a 11.1% charge-off rate, earning a “AVERAGE” 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 State Bank Northwest fund the most?
- The “Top franchise exposures” table above lists the brands State Bank Northwest has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.