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SBA 7(a) franchise lending portfolio
Sunwest Bank
CRITICAL risk
- Total loans
- 40
- Loan volume
- $12.0M
- Avg loan size
- $301K
- Default 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% |
| Blimpie | 3 | $200K | 33.3% |
| Subway Sandwich Shop | 3 | $671K | 33.3% |
| Del Taco | 2 | $2.1M | 50.0% |
| Gelato Classico Shop (ice Crea | 2 | $150K | 0.0% |
| It's A Grind Coffee | 2 | $565K | 100.0% |
| Charo Chicken | 2 | $255K | 100.0% |
| Baskin-Robbins 31 Ice Cream | 1 | $96K | 0.0% |
| Postal Instant Press | 1 | $114K | 0.0% |
| Big O Tires | 1 | $150K | 0.0% |
| New Horizon Computer Learning | 1 | $440K | 0.0% |
| Sizzler Family Steakhouse | 1 | $100K | 100.0% |
| Smoothie King (health Food Sto | 1 | $145K | 0.0% |
| Gotcha Covered | 1 | $51K | 100.0% |
| Cold Stone Creamery | 1 | $240K | 0.0% |
| Great Clips | 1 | $150K | 100.0% |
| Breathe Yoga | 1 | $150K | 100.0% |
| Quiznos | 1 | $140K | 0.0% |
| Maui Wowi | 1 | $294K | 0.0% |
| Camp Bow Wow | 1 | $128K | 0.0% |
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 default 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
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%).