SB
SBA 7(a) franchise lending portfolio
Sunwest Bank
CRITICAL risk
- Total loans
- 40
- Loan volume
- $12.0M
- Avg loan size
- $301K
- Charge-off rate
- 47.4%
- vs 15.4% national avg
Defaults
18
Avg interest
6.42%
Franchises funded
29
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Me-N-Ed's Pizzeria | 4 | $2.1M | 100.0% (very high risk) |
| Blimpie | 3 | $200K | 33.3% (very high risk) |
| Subway Sandwich Shop | 3 | $671K | 33.3% (very high risk) |
| Del Taco | 2 | $2.1M | 50.0% (very high risk) |
| Gelato Classico Shop (ice Crea | 2 | $150K | 0.0% (low risk) |
| It's A Grind Coffee | 2 | $565K | 100.0% (very high risk) |
| Charo Chicken | 2 | $255K | 100.0% (very high risk) |
| Baskin-Robbins 31 Ice Cream | 1 | $96K | 0.0% (low risk) |
| Postal Instant Press | 1 | $114K | 0.0% (low risk) |
| Big O Tires | 1 | $150K | 0.0% (low risk) |
| New Horizon Computer Learning | 1 | $440K | 0.0% (low risk) |
| Sizzler Family Steakhouse | 1 | $100K | 100.0% (very high risk) |
| Smoothie King (health Food Sto | 1 | $145K | 0.0% (low risk) |
| Gotcha Covered | 1 | $51K | 100.0% (very high risk) |
| Cold Stone Creamery | 1 | $240K | 0.0% (low risk) |
| Great Clips | 1 | $150K | 100.0% (very high risk) |
| Breathe Yoga | 1 | $150K | 100.0% (very high risk) |
| Quiznos | 1 | $140K | 0.0% (low risk) |
| Maui Wowi | 1 | $294K | 0.0% (low risk) |
| Camp Bow Wow | 1 | $128K | 0.0% (low risk) |
Lending volume by year
1'94
1'99
1'02
2'03
2'05
5'06
6'07
11'08
6'09
1'10
1'15
1'17
1'20
1'23
Sunwest Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$12.0M
Defaults18 of 40
Risk tierCRITICAL
Avg rate6.42%
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 Sunwest Bank originated?
- 40 loans totaling $12.0M. The portfolio carries a 47.4% charge-off rate, earning a “CRITICAL” 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 Sunwest Bank fund the most?
- The “Top franchise exposures” table above lists the brands Sunwest 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.