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FranchiseVerdict

SBA 7(a) franchise lending portfolio

Wisconsin Bank & Trust

GOOD risk
Total loans
11
Loan volume
$4.6M
Avg loan size
$419K
Charge-off rate
9.1%
vs 15.4% national avg

Defaults

1

Avg interest

N/A

Franchises funded

2

Risk rating

GOOD

Top franchise exposures

FranchiseLoansVolumeDefault %
Culver's Frozen Custard10$4.5M10.0% (elevated risk)
Straight Shot Express1$122K0.0% (low risk)

Geographic exposure

Wisconsin
40.0% (low risk)
Illinois
333.3% (very high risk)
Michigan
20.0% (low risk)
Kansas
10.0% (low risk)
Missouri
10.0% (low risk)

Portfolio summary

Total funded$4.6M
Defaults1 of 11
Risk tierGOOD

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 Wisconsin Bank & Trust originated?
11 loans totaling $4.6M. The portfolio carries a 9.1% 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). 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 Wisconsin Bank & Trust fund the most?
The “Top franchise exposures” table above lists the brands Wisconsin Bank & Trust has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.