WC
SBA 7(a) franchise lending portfolio
Western Commerce Bank
GOOD risk
- Total loans
- 109
- Loan volume
- $123.2M
- Avg loan size
- $1.1M
- Charge-off rate
- 9.4%
- vs 15.4% national avg
Defaults
6
Avg interest
6.40%
Franchises funded
68
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quality Inn by Choice Hotels / | 7 | $9.3M | 0.0% (low risk) |
| Days Inn by Wyndham | 6 | $11.2M | N/A |
| Motel 6 | 4 | $5.1M | 0.0% (low risk) |
| Super 8 | 4 | $4.4M | 0.0% (low risk) |
| Super 8 by Wyndhan | 4 | $6.8M | N/A |
| Red Brick Pizza | 3 | $882K | 0.0% (low risk) |
| Alphagraphics, Printshops Of T | 3 | $295K | 0.0% (low risk) |
| Econo Lodge | 3 | $1.9M | 0.0% (low risk) |
| Merle Norman Cosmetics | 2 | $64K | 0.0% (low risk) |
| H & R Block | 2 | $110K | 0.0% (low risk) |
| Roto Rooter | 2 | $104K | 100.0% (very high risk) |
| Super 8 Motel | 2 | $2.9M | 0.0% (low risk) |
| Quiznos | 2 | $569K | 0.0% (low risk) |
| Best Western Inn | 2 | $3.8M | 0.0% (low risk) |
| Choice Hotels International In | 2 | $2.2M | 0.0% (low risk) |
| Motel 6 | 2 | $5.5M | 0.0% (low risk) |
| Bahama Buck's Original Shaved | 2 | $460K | N/A |
| Quality Inn/Quality Suites, Ho | 2 | $2.7M | 0.0% (low risk) |
| Americas Best Value Inn | 2 | $2.4M | N/A |
| Baymont Inn & Suites | 2 | $7.6M | N/A |
Lending volume by year
1'92
2
8
1
2
2'97
1
2
2
1
2'05
4
5
5
5
2'10
1
1
5
1
2'16
6
14
2
7
7'21
4
6
3
4
1'26
Western Commerce Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
7911.3% (elevated risk)
200.0% (low risk)
30.0% (low risk)
20.0% (low risk)
20.0% (low risk)
10.0% (low risk)
10.0% (low risk)
10.0% (low risk)
Portfolio summary
Total funded$123.2M
Defaults6 of 109
Risk tierGOOD
Avg rate6.40%
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 Commerce Bank originated?
- 109 loans totaling $123.2M. The portfolio carries a 9.4% charge-off rate, earning a “GOOD” 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 Commerce Bank fund the most?
- The “Top franchise exposures” table above lists the brands Western Commerce 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.