WA
SBA 7(a) franchise lending portfolio
Western Alliance Bank
Risk rating: Average
- Total loans
- 90
- Loan volume
- $80.3M
- Avg loan size
- $892K
- Charge-off rate
- 12.5%
- vs 16.0% national
Charged off
9
Avg interest
6.35%
Franchises funded
69
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 4 | $1.8M | N/A |
| Woodcraft Franchise Corporatio | 4 | $706K | N/A |
| Shell Service Station | 3 | $2.3M | N/A |
| Chevron (gas Station) | 3 | $4.4M | N/A |
| Re/Max | 2 | $1.3M | N/A |
| Club Pilates | 2 | $755K | N/A |
| Baskin-Robbins | 2 | $709K | N/A |
| Tropical Smoothie | 2 | $1.7M | N/A |
| Fleet Feet | 2 | $260K | N/A |
| Sonic Drive-In | 2 | $1.4M | N/A |
| Servpro | 2 | $1.6M | N/A |
| Signarama | 2 | $657K | N/A |
| Pop-A-Lock | 2 | $2.2M | N/A |
| Visiting Angels | 2 | $1.4M | N/A |
| Carl's Jr. | 2 | $2.7M | N/A |
| American Graffiti | 1 | $30K | N/A |
| Coverall (cleaning & Janitoria | 1 | $611K | N/A |
| Java Jo'z | 1 | $198K | N/A |
| Maggiemoo's (ice Cream) | 1 | $253K | N/A |
| Steve's Place Pizza Pasta And | 1 | $250K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1995 | 1 |
| FY2002 | 1 |
| FY2003 | 2 |
| FY2004 | 3 |
| FY2005 | 15 |
| FY2006 | 8 |
| FY2007 | 3 |
| FY2008 | 2 |
| FY2010 | 1 |
| FY2011 | 2 |
| FY2012 | 4 |
| FY2013 | 7 |
| FY2014 | 5 |
| FY2015 | 4 |
| FY2016 | 6 |
| FY2017 | 1 |
| FY2018 | 2 |
| FY2019 | 1 |
| FY2020 | 6 |
| FY2021 | 2 |
| FY2022 | 3 |
| FY2023 | 3 |
| FY2024 | 5 |
| FY2025 | 2 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
Western Alliance Bank charge-off rate by loan vintage
Only 1 of these 10 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2004 | 3 | 0 | Too few |
| 2005 | 15 | 1 | 6.7% |
| 2006 | 8 | 6 | Too few |
| 2007 | 3 | 0 | Too few |
| 2012 | 4 | 0 | Too few |
| 2013 | 6 | 0 | Too few |
| 2014 | 5 | 0 | Too few |
| 2015 | 3 | 0 | Too few |
| 2016 | 6 | 0 | Too few |
| 2020 | 6 | 0 | Too early |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
Portfolio summary
Total funded$80.3M
Charged off9 of 90
Risk tierAverage
Avg rate6.35%
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 Western Alliance Bank originated?
- 90 loans totaling $80.3M. The portfolio carries a 12.5% 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Western Alliance Bank's rate of 12.5% is below the national rate.
- 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 Western Alliance Bank fund the most?
- The “Top franchise exposures” table above lists the brands Western Alliance 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.