WS
SBA 7(a) franchise lending portfolio
West Shore Bank
EXCELLENT risk
- Total loans
- 10
- Loan volume
- $10.7M
- Avg loan size
- $1.1M
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.53%
Franchises funded
7
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The UPS Store (f/k/a Mail Box | 2 | $259K | 0.0% (low risk) |
| Ace Hardware | 2 | $2.8M | N/A |
| Chrysler - Sales and Service A | 2 | $4.5M | N/A |
| Oberweis Ice Cream And Dairy S | 1 | $25K | N/A |
| Jimmy John's | 1 | $308K | 0.0% (low risk) |
| Dairy Queen Grill & Chill/Texa | 1 | $553K | N/A |
| Little Caesars | 1 | $2.3M | N/A |
Lending volume by year
1'13
2'18
2'21
2'22
2'23
1'24
Geographic exposure
100.0% (low risk)
Portfolio summary
Total funded$10.7M
Defaults0 of 10
Risk tierEXCELLENT
Avg rate6.53%
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 Shore Bank originated?
- 10 loans totaling $10.7M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Shore Bank fund the most?
- The “Top franchise exposures” table above lists the brands West Shore 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.