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SBA 7(a) franchise lending portfolio
Webster Bank National Association
AVERAGE risk
- Total loans
- 194
- Loan volume
- $65.6M
- Avg loan size
- $338K
- Default rate
- 12.2%
- vs 15.4% national avg
Defaults
15
Avg interest
6.56%
Franchises funded
115
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| American Family Care/AFC Urgen | 15 | $15.1M | — |
| Doctors Express | 7 | $8.0M | 0.0% |
| Subway Sandwich Shop | 6 | $816K | 16.7% |
| Subway | 6 | $697K | 0.0% |
| Signarama | 6 | $2.4M | — |
| Saladworks | 5 | $1.2M | 0.0% |
| Ace Hardware | 3 | $1.1M | 0.0% |
| Minuteman Press | 3 | $950K | 0.0% |
| True Value Hardware | 3 | $180K | 0.0% |
| Quiznos | 3 | $430K | 0.0% |
| MAACO | 3 | $1.7M | 100.0% |
| Subway | 3 | $173K | — |
| Snap-On | 3 | $631K | 0.0% |
| Honey Dew Donuts | 2 | $270K | 50.0% |
| Pet Supplies "plus" Ii, Inc. | 2 | $500K | 0.0% |
| Just-A-Buck | 2 | $150K | 0.0% |
| Cookies By Design | 2 | $192K | 0.0% |
| Jan-Pro Cleaning Systems | 2 | $295K | 0.0% |
| Sir Speedy Printing Center | 2 | $305K | 50.0% |
| Curves For Women | 2 | $112K | 0.0% |
Lending volume by year
2'92
1
3
4
7
2'97
4
4
1
2
5'02
5
9
3
1
6'07
3
1
1
2
3'12
5
8
3
10
7'17
11
17
6
16
15'22
10
11
6'25
Webster Bank National Association default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$65.6M
Defaults15 of 194
Risk tierAVERAGE
Avg rate6.56%
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%).