![Western Bank logo](https://cdn.brandfetch.io/westernbank.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
Western Bank
EXCELLENT risk
- Total loans
- 14
- Loan volume
- $7.3M
- Avg loan size
- $518K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
—
Franchises funded
11
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Days Inn | 2 | $2.0M | 0.0% |
| Chevron (gas Station) | 2 | $968K | 0.0% |
| Fantastic Sam's | 2 | $264K | 0.0% |
| Holiday Inn Express | 1 | $1.1M | 0.0% |
| Ford Motor (dealers) | 1 | $165K | 0.0% |
| Exxon | 1 | $35K | 0.0% |
| Comfort Inn | 1 | $1.4M | 0.0% |
| Super 8 Motel | 1 | $795K | 0.0% |
| Subway Sandwich Shop | 1 | $125K | 0.0% |
| Mcdonald's | 1 | $300K | 0.0% |
| Quiznos | 1 | $103K | 0.0% |
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
Default 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%), Critical (>20%).