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SBA 7(a) franchise lending portfolio
TrailWest Bank
AVERAGE risk
- Total loans
- 10
- Loan volume
- $1.8M
- Avg loan size
- $180K
- Default 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% |
| All Tune And Lube | 1 | $100K | 0.0% |
| Wheat Montana Bakery & Deli | 1 | $150K | 0.0% |
| Slender Lady | 1 | $150K | 0.0% |
| Carpet One | 1 | $500K | 0.0% |
Lending volume by year
1'94
1'96
1'97
1'02
4'03
1'09
1'11
Geographic exposure
1010.0%
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
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%).