TB
SBA 7(a) franchise lending portfolio
TrailWest Bank
AVERAGE risk
- Total loans
- 10
- Loan volume
- $1.8M
- Avg loan size
- $180K
- Charge-off rate
- 10.0%
- vs 15.4% national avg
Defaults
1
Avg interest
6.00%
Franchises funded
5
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 6 | $897K | 16.7% (high risk) |
| All Tune And Lube | 1 | $100K | 0.0% (low risk) |
| Wheat Montana Bakery & Deli | 1 | $150K | 0.0% (low risk) |
| Slender Lady | 1 | $150K | 0.0% (low risk) |
| Carpet One | 1 | $500K | 0.0% (low risk) |
Lending volume by year
1'94
1'96
1'97
1'02
4'03
1'09
1'11
Geographic exposure
1010.0% (elevated risk)
Portfolio summary
Total funded$1.8M
Defaults1 of 10
Risk tierAVERAGE
Avg rate6.00%
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 TrailWest Bank originated?
- 10 loans totaling $1.8M. The portfolio carries a 10.0% 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 TrailWest Bank fund the most?
- The “Top franchise exposures” table above lists the brands TrailWest 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.