SBA 7(a) franchise lending portfolio
Wilmington Savings Fund Society FSB
- Total loans
- 483
- Loan volume
- $271.3M
- Avg loan size
- $562K
- Charge-off rate
- 8.9%
- vs 16.0% national
Charged off
29
Avg interest
6.75%
Franchises funded
213
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Dunkin Donuts | 32 | $17.1M | 3.1% (excellent) |
| Hand And Stone | 20 | $8.0M | 0.0% (excellent) |
| Kiddie Academy | 17 | $10.7M | 0.0% (excellent) |
| Sport Clips | 12 | $2.6M | 0.0% (excellent) |
| Scooter's Coffee | 12 | $12.8M | N/A |
| The Goddard School | 11 | $9.3M | 10.0% (average) |
| Fastsigns | 11 | $2.7M | N/A |
| The UPS Store (f/k/a Mail Box | 11 | $2.7M | N/A |
| Salad Works, Inc. | 8 | $3.8M | N/A |
| Menchie's | 8 | $2.3M | N/A |
| Liberty Tax Service | 8 | $504K | N/A |
| Anytime Fitness | 7 | $3.3M | N/A |
| Santucci's Original Square Piz | 7 | $5.2M | N/A |
| Auntie Ann's (soft Pretzels) | 6 | $2.4M | N/A |
| Urban Air Adventure Park | 6 | $23.2M | N/A |
| Petrucci's Dairy Barn | 4 | $463K | N/A |
| Philly Soft Pretzel Factory | 4 | $480K | N/A |
| Dunkin' Donuts | 4 | $3.9M | N/A |
| Massage Envy | 4 | $1.2M | N/A |
| The Learning Experience | 4 | $1.2M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1993 | 1 |
| FY1994 | 5 |
| FY1995 | 8 |
| FY1996 | 9 |
| FY1997 | 4 |
| FY1998 | 10 |
| FY1999 | 8 |
| FY2000 | 2 |
| FY2001 | 2 |
| FY2002 | 2 |
| FY2003 | 1 |
| FY2004 | 1 |
| FY2005 | 1 |
| FY2006 | 3 |
| FY2007 | 4 |
| FY2008 | 6 |
| FY2009 | 12 |
| FY2010 | 10 |
| FY2011 | 15 |
| FY2012 | 16 |
| FY2013 | 36 |
| FY2014 | 28 |
| FY2015 | 39 |
| FY2016 | 23 |
| FY2017 | 27 |
| FY2018 | 24 |
| FY2019 | 16 |
| FY2020 | 15 |
| FY2021 | 43 |
| FY2022 | 30 |
| FY2023 | 29 |
| FY2024 | 24 |
| FY2025 | 20 |
| FY2026 | 9 |
SBA 7(a) · charge-off rate by approval year
Wilmington Savings Fund Society FSB: below all franchise loans in 8 of 12 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1994 | 5 | 1 | Too few |
| 1995 | 8 | 0 | Too few |
| 1996 | 9 | 4 | Too few |
| 1997 | 4 | 2 | Too few |
| 1998 | 10 | 1 | 10.0% |
| 1999 | 8 | 0 | Too few |
| 2006 | 3 | 0 | Too few |
| 2007 | 4 | 1 | Too few |
| 2008 | 6 | 0 | Too few |
| 2009 | 12 | 4 | 33.3% |
| 2010 | 10 | 0 | 0.0% |
| 2011 | 15 | 2 | 13.3% |
| 2012 | 16 | 3 | 18.8% |
| 2013 | 36 | 2 | 5.6% |
| 2014 | 28 | 1 | 3.6% |
| 2015 | 36 | 0 | 0.0% |
| 2016 | 22 | 1 | 4.5% |
| 2017 | 24 | 1 | 4.2% |
| 2018 | 17 | 3 | 17.6% |
| 2019 | 8 | 1 | Too few |
| 2020 | 7 | 0 | Too early |
| 2021 | 18 | 0 | 0.0% |
| 2022 | 7 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
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 Wilmington Savings Fund Society FSB originated?
- 483 loans totaling $271.3M. The portfolio carries a 8.9% 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Wilmington Savings Fund Society FSB's rate of 8.9% is below the national rate.
- 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 Wilmington Savings Fund Society FSB fund the most?
- The “Top franchise exposures” table above lists the brands Wilmington Savings Fund Society FSB has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.