WA
SBA 7(a) franchise lending portfolio
Western Alliance Bank
AVERAGE risk
- Total loans
- 90
- Loan volume
- $80.3M
- Avg loan size
- $892K
- Charge-off rate
- 12.5%
- vs 15.4% national avg
Defaults
9
Avg interest
6.35%
Franchises funded
69
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 4 | $1.8M | 0.0% (low risk) |
| Woodcraft Franchise Corporatio | 4 | $706K | 25.0% (very high risk) |
| Shell Service Station | 3 | $2.3M | 0.0% (low risk) |
| Chevron (gas Station) | 3 | $4.4M | 0.0% (low risk) |
| Re/Max | 2 | $1.3M | 50.0% (very high risk) |
| Club Pilates | 2 | $755K | 0.0% (low risk) |
| Baskin-Robbins | 2 | $709K | 0.0% (low risk) |
| Tropical Smoothie | 2 | $1.7M | 0.0% (low risk) |
| Fleet Feet | 2 | $260K | 0.0% (low risk) |
| Sonic Drive-In | 2 | $1.4M | 0.0% (low risk) |
| Servpro | 2 | $1.6M | N/A |
| Signarama | 2 | $657K | 0.0% (low risk) |
| Pop-A-Lock | 2 | $2.2M | 0.0% (low risk) |
| Visiting Angels | 2 | $1.4M | N/A |
| Carl's Jr. | 2 | $2.7M | N/A |
| American Graffiti | 1 | $30K | 0.0% (low risk) |
| Coverall (cleaning & Janitoria | 1 | $611K | 0.0% (low risk) |
| Java Jo'z | 1 | $198K | 100.0% (very high risk) |
| Maggiemoo's (ice Cream) | 1 | $253K | 100.0% (very high risk) |
| Steve's Place Pizza Pasta And | 1 | $250K | 100.0% (very high risk) |
Lending volume by year
1'95
1
2
3
15
8'06
3
2
1
2
4'12
7
5
4
6
1'17
2
1
6
2
3'22
3
5
2
1'26
Western Alliance Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$80.3M
Defaults9 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). 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 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.