SBA 7(a) franchise lending portfolio
BankUnited, National Association
- Total loans
- 409
- Loan volume
- $602.1M
- Avg loan size
- $1.5M
- Charge-off rate
- 6.3%
- vs 16.0% national
Charged off
21
Avg interest
6.11%
Franchises funded
197
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Days Inn | 17 | $27.9M | 7.7% (good) |
| Quality Inn/Quality Suites, Ho | 13 | $31.8M | 0.0% (excellent) |
| Jimmy John's | 10 | $4.0M | 0.0% (excellent) |
| Servpro | 10 | $1.5M | 0.0% (excellent) |
| Red Roof Inn | 9 | $16.1M | N/A |
| Golden Corral (restaurant) | 8 | $14.8M | N/A |
| Best Western Inn | 8 | $20.5M | N/A |
| Comfort/ Comfort Inn & Suites/ | 8 | $25.9M | N/A |
| Super 8 | 7 | $13.9M | N/A |
| Quality Inn | 7 | $10.9M | N/A |
| Smartstyle | 6 | $3.1M | N/A |
| Econo Lodge | 6 | $9.7M | N/A |
| Penn Station, Inc. | 5 | $1.8M | N/A |
| Motel 6 | 5 | $8.5M | N/A |
| Jackson Hewitt Tax Service | 5 | $4.9M | N/A |
| Supercuts | 5 | $6.5M | N/A |
| Country Inns & Suites By Carls | 4 | $14.8M | N/A |
| Choice Hotels International In | 4 | $8.8M | N/A |
| Dunkin Donuts | 4 | $4.4M | N/A |
| Sleep Inn/Sleep Inn & Suites | 4 | $10.3M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2007 | 5 |
| FY2008 | 8 |
| FY2009 | 10 |
| FY2010 | 15 |
| FY2011 | 16 |
| FY2012 | 31 |
| FY2013 | 28 |
| FY2014 | 50 |
| FY2015 | 34 |
| FY2016 | 48 |
| FY2017 | 50 |
| FY2018 | 54 |
| FY2019 | 37 |
| FY2020 | 10 |
| FY2021 | 2 |
| FY2022 | 3 |
| FY2023 | 2 |
| FY2024 | 2 |
| FY2025 | 2 |
| FY2026 | 2 |
SBA 7(a) · charge-off rate by approval year
BankUnited, National Association: below all franchise loans in 9 of 11 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2007 | 5 | 1 | Too few |
| 2008 | 8 | 3 | Too few |
| 2009 | 10 | 0 | 0.0% |
| 2010 | 15 | 0 | 0.0% |
| 2011 | 14 | 4 | 28.6% |
| 2012 | 30 | 0 | 0.0% |
| 2013 | 26 | 1 | 3.8% |
| 2014 | 48 | 1 | 2.1% |
| 2015 | 26 | 6 | 23.1% |
| 2016 | 42 | 0 | 0.0% |
| 2017 | 38 | 4 | 10.5% |
| 2018 | 38 | 1 | 2.6% |
| 2019 | 22 | 0 | 0.0% |
| 2020 | 7 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
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 BankUnited, National Association originated?
- 409 loans totaling $602.1M. The portfolio carries a 6.3% 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). 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. BankUnited, National Association's rate of 6.3% 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 BankUnited, National Association fund the most?
- The “Top franchise exposures” table above lists the brands BankUnited, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.