WB
SBA 7(a) franchise lending portfolio
Wallis Bank
GOOD risk
- Total loans
- 352
- Loan volume
- $610.3M
- Avg loan size
- $1.7M
- Charge-off rate
- 9.4%
- vs 15.4% national avg
Defaults
17
Avg interest
6.51%
Franchises funded
178
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| La Quinta by Wyndham a.k.a. La | 14 | $55.7M | 0.0% (low risk) |
| Days Inn | 8 | $12.1M | 0.0% (low risk) |
| Red Roof Inn | 8 | $21.2M | 0.0% (low risk) |
| Quality Inn by Choice Hotels / | 8 | $20.2M | 0.0% (low risk) |
| Motel 6 | 7 | $17.7M | 0.0% (low risk) |
| Best Western - Membership Agre | 7 | $20.7M | 0.0% (low risk) |
| Days Inn by Wyndham | 7 | $15.8M | 0.0% (low risk) |
| Cole Distributing Company, LLC | 7 | $8.4M | 0.0% (low risk) |
| Econo Lodge by Choice Hotels/E | 6 | $12.6M | 25.0% (very high risk) |
| Super 8 by Wyndhan | 6 | $12.7M | 0.0% (low risk) |
| Holiday Inn Express/Holiday In | 6 | $20.2M | 0.0% (low risk) |
| Chevron - Retail Supply Contra | 5 | $11.9M | 0.0% (low risk) |
| Best Western Inn | 5 | $8.2M | 0.0% (low risk) |
| SEI Fuel Services, Inc (Multi | 5 | $8.6M | 0.0% (low risk) |
| Partners Investors C-Stores, L | 5 | $10.6M | 0.0% (low risk) |
| New Distributing Co. Inc (Cono | 5 | $4.2M | N/A |
| Circle K Stores, Inc. (Multi B | 4 | $6.3M | 0.0% (low risk) |
| Sunoco, LLC (Various Brands) F | 4 | $3.7M | 0.0% (low risk) |
| King Fuels, Inc (Chevron) Moto | 4 | $7.4M | 0.0% (low risk) |
| Fuel Maxx (Exxon) Dealer Franc | 4 | $17.0M | 0.0% (low risk) |
Lending volume by year
1'04
1'06
1'08
3'11
1'12
6'13
12'14
10'15
11'16
22'17
31'18
24'19
40'20
82'21
33'22
41'23
22'24
11'25
Wallis Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
28311.7% (elevated risk)
180.0% (low risk)
170.0% (low risk)
50.0% (low risk)
40.0% (low risk)
40.0% (low risk)
40.0% (low risk)
30.0% (low risk)
20.0% (low risk)
20.0% (low risk)
Portfolio summary
Total funded$610.3M
Defaults17 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). 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 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.