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SBA 7(a) franchise lending portfolio
Waukesha State Bank
GOOD risk
- Total loans
- 78
- Loan volume
- $32.2M
- Avg loan size
- $413K
- Default rate
- 6.1%
- vs 15.4% national avg
Defaults
3
Avg interest
6.90%
Franchises funded
48
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Central Bark Doggy Day Care | 11 | $5.4M | 0.0% |
| Subway Sandwich Shop | 6 | $814K | 0.0% |
| Rosati's Pizza | 3 | $330K | 0.0% |
| Moe's Sw Grill | 3 | $492K | 0.0% |
| Signs By Tomorrow | 2 | $297K | 0.0% |
| Quiznos | 2 | $300K | 0.0% |
| Domino's Pizza | 2 | $115K | 0.0% |
| 1-800 Water Damage | 2 | $225K | 0.0% |
| Holiday Inn Express | 2 | $4.3M | 0.0% |
| Central Bark Doggy Day Care | 2 | $735K | 0.0% |
| World Fuel Services - Wholesal | 2 | $2.3M | — |
| Rosati's Pizza | 2 | $731K | — |
| Piggly Wiggly | 2 | $582K | — |
| World Fuel Services Inc. aka L | 2 | $2.6M | 0.0% |
| H&R Block - Franchise License | 2 | $610K | — |
| I Can't Believe It's Yogurt | 1 | $150K | 0.0% |
| Express Personnel Services | 1 | $40K | 0.0% |
| Fast Frame | 1 | $110K | 100.0% |
| Car-X Auto Service | 1 | $664K | 100.0% |
| Quizno's Subs | 1 | $60K | 100.0% |
Lending volume by year
2'98
2
1
1
1
1'03
4
4
2
1
3'08
4
2
4
3
3'14
2
1
1
4
4'19
4
12
3
4
1'24
4'25
Waukesha State Bank default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$32.2M
Defaults3 of 78
Risk tierGOOD
Avg rate6.90%
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%).