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SBA 7(a) franchise lending portfolio
Wilmington Savings Fund Society FSB
GOOD risk
- Total loans
- 483
- Loan volume
- $271.3M
- Avg loan size
- $562K
- Default rate
- 8.9%
- vs 15.4% national avg
Defaults
29
Avg interest
6.75%
Franchises funded
213
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dunkin Donuts | 32 | $17.1M | 3.1% |
| Hand And Stone | 20 | $8.0M | 0.0% |
| Kiddie Academy | 17 | $10.7M | 0.0% |
| Sport Clips | 12 | $2.6M | 0.0% |
| Scooter's Coffee | 12 | $12.8M | — |
| The Goddard School | 11 | $9.3M | 10.0% |
| Fastsigns | 11 | $2.7M | 0.0% |
| The UPS Store (f/k/a Mail Box | 11 | $2.7M | 0.0% |
| Salad Works, Inc. | 8 | $3.8M | 25.0% |
| Menchie's | 8 | $2.3M | 0.0% |
| Liberty Tax Service | 8 | $504K | 0.0% |
| Anytime Fitness | 7 | $3.3M | 0.0% |
| Santucci's Original Square Piz | 7 | $5.2M | — |
| Auntie Ann's (soft Pretzels) | 6 | $2.4M | 0.0% |
| Urban Air Adventure Park | 6 | $23.2M | 0.0% |
| Petrucci's Dairy Barn | 4 | $463K | 50.0% |
| Philly Soft Pretzel Factory | 4 | $480K | 0.0% |
| Dunkin' Donuts | 4 | $3.9M | 0.0% |
| Massage Envy | 4 | $1.2M | 0.0% |
| The Learning Experience | 4 | $1.2M | 0.0% |
Lending volume by year
1'93
5
8
9
4
10'98
8
2
2
2
1'03
1
1
3
4
6'08
12
10
15
16
36'13
28
39
23
27
24'18
16
15
43
30
29'23
24
20
9'26
Wilmington Savings Fund Society FSB default rate by loan vintage
BrandNational avg
Geographic exposure
19412.7%
9510.3%
449.1%
250.0%
170.0%
140.0%
1325.0%
100.0%
90.0%
70.0%
Portfolio summary
Total funded$271.3M
Defaults29 of 483
Risk tierGOOD
Avg rate6.75%
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%).