AU
SBA 7(a) franchise lending portfolio
Atlantic Union Bank
Risk rating: Average
- Total loans
- 197
- Loan volume
- $92.3M
- Avg loan size
- $468K
- Charge-off rate
- 12.9%
- vs 16.0% national
Charged off
20
Avg interest
6.89%
Franchises funded
133
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 8 | $2.1M | N/A |
| Wow Cafe And Wingery | 6 | $2.2M | N/A |
| Dunkin Donuts | 4 | $1.1M | N/A |
| Cluck-U-Chicken | 4 | $835K | N/A |
| Ledo Pizza | 4 | $1.1M | N/A |
| Line-X | 4 | $244K | N/A |
| ZIPS Dry Cleaners | 4 | $2.8M | N/A |
| Quiznos | 3 | $490K | N/A |
| Massage Envy | 3 | $1.2M | N/A |
| Tropical Smoothie | 3 | $956K | N/A |
| Plato's Closet | 3 | $485K | N/A |
| Pump It Up | 3 | $1.3M | N/A |
| Celebree School | 3 | $4.4M | N/A |
| Sandbox VR | 3 | $3.6M | N/A |
| Jersey Mike's (deli Restaurant | 2 | $350K | N/A |
| The Weekend Gardner | 2 | $199K | N/A |
| MAACO Auto Painting Center | 2 | $434K | N/A |
| Rita's Real Italian Water Ice | 2 | $680K | N/A |
| Roly Poly | 2 | $300K | N/A |
| Daily Grind | 2 | $300K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1994 | 1 |
| FY1995 | 4 |
| FY1996 | 2 |
| FY1997 | 7 |
| FY1998 | 1 |
| FY2000 | 1 |
| FY2001 | 5 |
| FY2002 | 2 |
| FY2003 | 2 |
| FY2004 | 9 |
| FY2005 | 14 |
| FY2006 | 8 |
| FY2007 | 5 |
| FY2008 | 9 |
| FY2009 | 15 |
| FY2010 | 14 |
| FY2011 | 9 |
| FY2012 | 8 |
| FY2013 | 6 |
| FY2014 | 7 |
| FY2015 | 8 |
| FY2016 | 4 |
| FY2017 | 9 |
| FY2018 | 5 |
| FY2020 | 1 |
| FY2021 | 4 |
| FY2022 | 3 |
| FY2023 | 8 |
| FY2024 | 4 |
| FY2025 | 15 |
| FY2026 | 7 |
SBA 7(a) · charge-off rate by approval year
Atlantic Union Bank: below all franchise loans in 2 of 3 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1995 | 4 | 1 | Too few |
| 1997 | 7 | 1 | Too few |
| 2001 | 5 | 0 | Too few |
| 2004 | 9 | 0 | Too few |
| 2005 | 14 | 1 | 7.1% |
| 2006 | 8 | 3 | Too few |
| 2007 | 5 | 2 | Too few |
| 2008 | 9 | 2 | Too few |
| 2009 | 15 | 3 | 20.0% |
| 2010 | 14 | 1 | 7.1% |
| 2011 | 9 | 0 | Too few |
| 2012 | 8 | 1 | Too few |
| 2013 | 6 | 1 | Too few |
| 2014 | 7 | 0 | Too few |
| 2015 | 7 | 1 | Too few |
| 2016 | 4 | 0 | Too few |
| 2017 | 8 | 0 | Too few |
| 2018 | 5 | 0 | Too few |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
976.2% (good)
7120.0% (high risk)
7N/A
5N/A
3N/A
3N/A
2N/A
2N/A
2N/A
1N/A
Portfolio summary
Total funded$92.3M
Charged off20 of 197
Risk tierAverage
Avg rate6.89%
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 Atlantic Union Bank originated?
- 197 loans totaling $92.3M. The portfolio carries a 12.9% charge-off rate, earning a “Average” 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. Atlantic Union Bank's rate of 12.9% 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 Atlantic Union Bank fund the most?
- The “Top franchise exposures” table above lists the brands Atlantic Union 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.