WB
SBA 7(a) franchise lending portfolio
West Bank
AVERAGE risk
- Total loans
- 31
- Loan volume
- $4.2M
- Avg loan size
- $136K
- Charge-off rate
- 10.0%
- vs 15.4% national avg
Defaults
3
Avg interest
5.66%
Franchises funded
24
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Servicemaster | 3 | $831K | 0.0% (low risk) |
| Cottman Transmission | 3 | $284K | 33.3% (very high risk) |
| Blimpie | 2 | $153K | 50.0% (very high risk) |
| Baskin-Robbins 31 Ice Cream | 2 | $295K | 0.0% (low risk) |
| Restoration 1 | 2 | $210K | 0.0% (low risk) |
| Post Net | 1 | $55K | 0.0% (low risk) |
| Medicap Pharmacy | 1 | $115K | 0.0% (low risk) |
| Americount Business Consultant | 1 | $46K | 0.0% (low risk) |
| Grand Slam Usa (indoor Soccer) | 1 | $225K | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 1 | $65K | 0.0% (low risk) |
| General Nutrition Center | 1 | $100K | 0.0% (low risk) |
| Alphagraphics, Printshops Of T | 1 | $230K | 0.0% (low risk) |
| Zland | 1 | $100K | 0.0% (low risk) |
| The UPS Store | 1 | $150K | 0.0% (low risk) |
| Curves For Women | 1 | $80K | 0.0% (low risk) |
| Maui Wowi | 1 | $100K | 0.0% (low risk) |
| Club Z | 1 | $43K | 0.0% (low risk) |
| Planet Beach | 1 | $280K | 100.0% (very high risk) |
| Chem-Dry | 1 | $65K | 0.0% (low risk) |
| Apricot Lane | 1 | $149K | 0.0% (low risk) |
Lending volume by year
1'92
1
1
5
2
1'98
1
1
1
1
3'03
1
1
2
1
1'10
1
1
1
1
3'21
Geographic exposure
3110.0% (elevated risk)
Portfolio summary
Total funded$4.2M
Defaults3 of 31
Risk tierAVERAGE
Avg rate5.66%
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 West Bank originated?
- 31 loans totaling $4.2M. The portfolio carries a 10.0% 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 West Bank fund the most?
- The “Top franchise exposures” table above lists the brands West 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.