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SBA 7(a) franchise lending portfolio
Western Commerce Bank
GOOD risk
- Total loans
- 109
- Loan volume
- $123.2M
- Avg loan size
- $1.1M
- Default 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% |
| Days Inn by Wyndham | 6 | $11.2M | — |
| Motel 6 | 4 | $5.1M | 0.0% |
| Super 8 | 4 | $4.4M | 0.0% |
| Super 8 by Wyndhan | 4 | $6.8M | — |
| Red Brick Pizza | 3 | $882K | 0.0% |
| Alphagraphics, Printshops Of T | 3 | $295K | 0.0% |
| Econo Lodge | 3 | $1.9M | 0.0% |
| Merle Norman Cosmetics | 2 | $64K | 0.0% |
| H & R Block | 2 | $110K | 0.0% |
| Roto Rooter | 2 | $104K | 100.0% |
| Super 8 Motel | 2 | $2.9M | 0.0% |
| Quiznos | 2 | $569K | 0.0% |
| Best Western Inn | 2 | $3.8M | 0.0% |
| Choice Hotels International In | 2 | $2.2M | 0.0% |
| Motel 6 | 2 | $5.5M | 0.0% |
| Bahama Buck's Original Shaved | 2 | $460K | — |
| Quality Inn/Quality Suites, Ho | 2 | $2.7M | 0.0% |
| Americas Best Value Inn | 2 | $2.4M | — |
| Baymont Inn & Suites | 2 | $7.6M | — |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
7911.3%
200.0%
30.0%
20.0%
20.0%
10.0%
10.0%
10.0%
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
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%).