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SBA 7(a) franchise lending portfolio
Wilshire State Bank
EXCELLENT risk
- Total loans
- 11
- Loan volume
- $8.5M
- Avg loan size
- $775K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
—
Franchises funded
7
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 3 | $551K | 0.0% |
| Chevron (gas Station) | 3 | $1.8M | 0.0% |
| Baskin-Robbins 31 Ice Cream | 1 | $100K | 0.0% |
| Travelodge | 1 | $2.0M | 0.0% |
| Sunbelt Business Brokers Netwo | 1 | $2.0M | 0.0% |
| Super 8 Motel | 1 | $2.0M | 0.0% |
| Juice It Up | 1 | $120K | 0.0% |
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
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%).