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SBA 7(a) franchise lending portfolio
Atlantic Union Bank
AVERAGE risk
- Total loans
- 197
- Loan volume
- $92.3M
- Avg loan size
- $468K
- Default rate
- 12.9%
- vs 15.4% national avg
Defaults
20
Avg interest
6.89%
Franchises funded
133
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 8 | $2.1M | 0.0% |
| Wow Cafe And Wingery | 6 | $2.2M | 66.7% |
| Dunkin Donuts | 4 | $1.1M | 0.0% |
| Cluck-U-Chicken | 4 | $835K | 25.0% |
| Ledo Pizza | 4 | $1.1M | 0.0% |
| Line-X | 4 | $244K | 0.0% |
| ZIPS Dry Cleaners | 4 | $2.8M | 0.0% |
| Quiznos | 3 | $490K | 0.0% |
| Massage Envy | 3 | $1.2M | 0.0% |
| Tropical Smoothie | 3 | $956K | 0.0% |
| Plato's Closet | 3 | $485K | 0.0% |
| Pump It Up | 3 | $1.3M | 33.3% |
| Celebree School | 3 | $4.4M | 0.0% |
| Sandbox VR | 3 | $3.6M | — |
| Jersey Mike's (deli Restaurant | 2 | $350K | 0.0% |
| The Weekend Gardner | 2 | $199K | 0.0% |
| MAACO Auto Painting Center | 2 | $434K | 0.0% |
| Rita's Real Italian Water Ice | 2 | $680K | 0.0% |
| Roly Poly | 2 | $300K | 0.0% |
| Daily Grind | 2 | $300K | 0.0% |
Lending volume by year
1'94
4
2
7
1
1'00
5
2
2
9
14'05
8
5
9
15
14'10
9
8
6
7
8'15
4
9
5
1
4'21
3
8
4
15
7'26
Atlantic Union Bank default rate by loan vintage
BrandNational avg
Geographic exposure
976.2%
7120.0%
70.0%
5—
333.3%
20.0%
2—
20.0%
1—
Portfolio summary
Total funded$92.3M
Defaults20 of 197
Risk tierAVERAGE
Avg rate6.89%
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%).