WB
SBA 7(a) franchise lending portfolio
Webster Bank National Association
AVERAGE risk
- Total loans
- 194
- Loan volume
- $65.6M
- Avg loan size
- $338K
- Charge-off 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 | N/A |
| Doctors Express | 7 | $8.0M | 0.0% (low risk) |
| Subway Sandwich Shop | 6 | $816K | 16.7% (high risk) |
| Subway | 6 | $697K | 0.0% (low risk) |
| Signarama | 6 | $2.4M | N/A |
| Saladworks | 5 | $1.2M | 0.0% (low risk) |
| Ace Hardware | 3 | $1.1M | 0.0% (low risk) |
| Minuteman Press | 3 | $950K | 0.0% (low risk) |
| True Value Hardware | 3 | $180K | 0.0% (low risk) |
| Quiznos | 3 | $430K | 0.0% (low risk) |
| MAACO | 3 | $1.7M | 100.0% (very high risk) |
| Subway | 3 | $173K | N/A |
| Snap-On | 3 | $631K | 0.0% (low risk) |
| Honey Dew Donuts | 2 | $270K | 50.0% (very high risk) |
| Pet Supplies "plus" Ii, Inc. | 2 | $500K | 0.0% (low risk) |
| Just-A-Buck | 2 | $150K | 0.0% (low risk) |
| Cookies By Design | 2 | $192K | 0.0% (low risk) |
| Jan-Pro Cleaning Systems | 2 | $295K | 0.0% (low risk) |
| Sir Speedy Printing Center | 2 | $305K | 50.0% (very high risk) |
| Curves For Women | 2 | $112K | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
10813.1% (elevated risk)
3318.8% (high risk)
287.1% (moderate risk)
160.0% (low risk)
9N/A
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
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 Webster Bank National Association originated?
- 194 loans totaling $65.6M. The portfolio carries a 12.2% charge-off rate, earning a “AVERAGE” 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 Webster Bank National Association fund the most?
- The “Top franchise exposures” table above lists the brands Webster Bank National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.