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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
- Default 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 | — |
| Visiting Angels | 2 | $500K | — |
| Domino's Pizza | 1 | $900K | 0.0% |
| Cd Warehouse | 1 | $100K | 100.0% |
| The UPS Store (f/k/a Mail Box | 1 | $209K | 0.0% |
| Sylvan Learning Centers | 1 | $203K | 0.0% |
| Cinnaholic | 1 | $383K | — |
| Keyrenter Property Managment | 1 | $500K | — |
| My Eye Lab | 1 | $500K | — |
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
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%).