WB
SBA 7(a) franchise lending portfolio
Western Bank
EXCELLENT risk
- Total loans
- 14
- Loan volume
- $7.3M
- Avg loan size
- $518K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
N/A
Franchises funded
11
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Days Inn | 2 | $2.0M | 0.0% (low risk) |
| Chevron (gas Station) | 2 | $968K | 0.0% (low risk) |
| Fantastic Sam's | 2 | $264K | 0.0% (low risk) |
| Holiday Inn Express | 1 | $1.1M | 0.0% (low risk) |
| Ford Motor (dealers) | 1 | $165K | 0.0% (low risk) |
| Exxon | 1 | $35K | 0.0% (low risk) |
| Comfort Inn | 1 | $1.4M | 0.0% (low risk) |
| Super 8 Motel | 1 | $795K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $125K | 0.0% (low risk) |
| Mcdonald's | 1 | $300K | 0.0% (low risk) |
| Quiznos | 1 | $103K | 0.0% (low risk) |
Lending volume by year
1'92
3'94
2'95
1'96
1'97
1'98
1'99
1'02
2'03
1'04
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 Bank originated?
- 14 loans totaling $7.3M. 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 Western Bank fund the most?
- The “Top franchise exposures” table above lists the brands Western 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.