WS
SBA 7(a) franchise lending portfolio
Wilshire State Bank
EXCELLENT risk
- Total loans
- 11
- Loan volume
- $8.5M
- Avg loan size
- $775K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
N/A
Franchises funded
7
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 3 | $551K | 0.0% (low risk) |
| Chevron (gas Station) | 3 | $1.8M | 0.0% (low risk) |
| Baskin-Robbins 31 Ice Cream | 1 | $100K | 0.0% (low risk) |
| Travelodge | 1 | $2.0M | 0.0% (low risk) |
| Sunbelt Business Brokers Netwo | 1 | $2.0M | 0.0% (low risk) |
| Super 8 Motel | 1 | $2.0M | 0.0% (low risk) |
| Juice It Up | 1 | $120K | 0.0% (low risk) |
Lending volume by year
1'03
1'04
5'05
3'06
1'07
Geographic exposure
Portfolio summary
Total funded$8.5M
Defaults0 of 11
Risk tierEXCELLENT
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 Wilshire State Bank originated?
- 11 loans totaling $8.5M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Wilshire State Bank fund the most?
- The “Top franchise exposures” table above lists the brands Wilshire State Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.