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SBA 7(a) franchise lending portfolio
BankUnited, National Association
GOOD risk
- Total loans
- 409
- Loan volume
- $602.1M
- Avg loan size
- $1.5M
- Default rate
- 6.3%
- vs 15.4% national avg
Defaults
21
Avg interest
6.11%
Franchises funded
197
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Days Inn | 17 | $27.9M | 7.7% |
| Quality Inn/Quality Suites, Ho | 13 | $31.8M | 0.0% |
| Jimmy John's | 10 | $4.0M | 0.0% |
| Servpro | 10 | $1.5M | 0.0% |
| Red Roof Inn | 9 | $16.1M | 0.0% |
| Golden Corral (restaurant) | 8 | $14.8M | 25.0% |
| Best Western Inn | 8 | $20.5M | 0.0% |
| Comfort/ Comfort Inn & Suites/ | 8 | $25.9M | 0.0% |
| Super 8 | 7 | $13.9M | 0.0% |
| Quality Inn | 7 | $10.9M | 0.0% |
| Smartstyle | 6 | $3.1M | 0.0% |
| Econo Lodge | 6 | $9.7M | 0.0% |
| Penn Station, Inc. | 5 | $1.8M | 0.0% |
| Motel 6 | 5 | $8.5M | 0.0% |
| Jackson Hewitt Tax Service | 5 | $4.9M | 0.0% |
| Supercuts | 5 | $6.5M | 0.0% |
| Country Inns & Suites By Carls | 4 | $14.8M | 0.0% |
| Choice Hotels International In | 4 | $8.8M | 0.0% |
| Dunkin Donuts | 4 | $4.4M | 0.0% |
| Sleep Inn/Sleep Inn & Suites | 4 | $10.3M | 0.0% |
Lending volume by year
5'07
8'08
10'09
15'10
16'11
31'12
28'13
50'14
34'15
48'16
50'17
54'18
37'19
10'20
2'21
3'22
2'23
2'24
2'25
2'26
BankUnited, National Association default rate by loan vintage
BrandNational avg
Geographic exposure
624.1%
395.3%
3511.1%
283.7%
230.0%
190.0%
1630.8%
140.0%
1410.0%
138.3%
Portfolio summary
Total funded$602.1M
Defaults21 of 409
Risk tierGOOD
Avg rate6.11%
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%).