WB
SBA 7(a) franchise lending portfolio
Wheaton Bank & Trust Company, National Association
CRITICAL risk
- Total loans
- 11
- Loan volume
- $3.6M
- Avg loan size
- $331K
- Charge-off rate
- 25.0%
- vs 15.4% national avg
Defaults
1
Avg interest
7.42%
Franchises funded
9
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| DQ Treat | 2 | $350K | N/A |
| Visiting Angels | 2 | $500K | N/A |
| Domino's Pizza | 1 | $900K | 0.0% (low risk) |
| Cd Warehouse | 1 | $100K | 100.0% (very high risk) |
| The UPS Store (f/k/a Mail Box | 1 | $209K | 0.0% (low risk) |
| Sylvan Learning Centers | 1 | $203K | 0.0% (low risk) |
| Cinnaholic | 1 | $383K | N/A |
| Keyrenter Property Managment | 1 | $500K | N/A |
| My Eye Lab | 1 | $500K | N/A |
Lending volume by year
1'93
1'98
2'18
1'19
1'20
1'23
1'24
3'26
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 Wheaton Bank & Trust Company, National Association originated?
- 11 loans totaling $3.6M. The portfolio carries a 25.0% charge-off rate, earning a “CRITICAL” 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 Wheaton Bank & Trust Company, National Association fund the most?
- The “Top franchise exposures” table above lists the brands Wheaton Bank & Trust Company, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.