WB
SBA 7(a) franchise lending portfolio
Wallis Bank
Risk rating: Good
- Total loans
- 352
- Loan volume
- $610.3M
- Avg loan size
- $1.7M
- Charge-off rate
- 9.4%
- vs 16.0% national
Charged off
17
Avg interest
6.51%
Franchises funded
178
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Days Inn | 15 | $27.9M | N/A |
| La Quinta by Wyndham a.k.a. La | 14 | $55.7M | N/A |
| Best Western - Membership Agre | 12 | $28.9M | N/A |
| Red Roof Inn | 8 | $21.2M | N/A |
| Quality Inn by Choice Hotels / | 8 | $20.2M | N/A |
| Motel 6 | 7 | $17.7M | N/A |
| Cole Distributing Company, LLC | 7 | $8.4M | N/A |
| Econo Lodge by Choice Hotels/E | 6 | $12.6M | N/A |
| Super 8 by Wyndhan | 6 | $12.7M | N/A |
| Holiday Inn Express/Holiday In | 6 | $20.2M | N/A |
| Chevron - Retail Supply Contra | 5 | $11.9M | N/A |
| SEI Fuel Services, Inc (Multi | 5 | $8.6M | N/A |
| Partners Investors C-Stores, L | 5 | $10.6M | N/A |
| New Distributing Co. Inc (Cono | 5 | $4.2M | N/A |
| Circle K Stores, Inc. (Multi B | 4 | $6.3M | N/A |
| Sunoco, LLC (Various Brands) F | 4 | $3.7M | N/A |
| King Fuels, Inc (Chevron) Moto | 4 | $7.4M | N/A |
| Fuel Maxx (Exxon) Dealer Franc | 4 | $17.0M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2004 | 1 |
| FY2006 | 1 |
| FY2008 | 1 |
| FY2011 | 3 |
| FY2012 | 1 |
| FY2013 | 6 |
| FY2014 | 12 |
| FY2015 | 10 |
| FY2016 | 11 |
| FY2017 | 22 |
| FY2018 | 31 |
| FY2019 | 24 |
| FY2020 | 40 |
| FY2021 | 82 |
| FY2022 | 33 |
| FY2023 | 41 |
| FY2024 | 22 |
| FY2025 | 11 |
SBA 7(a) · charge-off rate by approval year
Wallis Bank: highest rate in the 2017 loan year, 25.0%
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2011 | 3 | 0 | Too few |
| 2013 | 6 | 1 | Too few |
| 2014 | 12 | 1 | 8.3% |
| 2015 | 9 | 1 | Too few |
| 2016 | 9 | 0 | Too few |
| 2017 | 20 | 5 | 25.0% |
| 2018 | 22 | 5 | 22.7% |
| 2019 | 17 | 1 | 5.9% |
| 2020 | 23 | 1 | 4.3% |
| 2021 | 38 | 1 | 2.6% |
| 2022 | 7 | 0 | Too early |
| 2023 | 9 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
28311.7% (average)
180.0% (excellent)
170.0% (excellent)
5N/A
4N/A
4N/A
4N/A
3N/A
2N/A
2N/A
Portfolio summary
Total funded$610.3M
Charged off17 of 352
Risk tierGood
Avg rate6.51%
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 Wallis Bank originated?
- 352 loans totaling $610.3M. The portfolio carries a 9.4% charge-off rate, earning a “Good” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Wallis Bank's rate of 9.4% is below the national rate.
- 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 Wallis Bank fund the most?
- The “Top franchise exposures” table above lists the brands Wallis 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.