BN
SBA 7(a) franchise lending portfolio
BankUnited, National Association
GOOD risk
- Total loans
- 409
- Loan volume
- $602.1M
- Avg loan size
- $1.5M
- Charge-off 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% (moderate risk) |
| Quality Inn/Quality Suites, Ho | 13 | $31.8M | 0.0% (low risk) |
| Jimmy John's | 10 | $4.0M | 0.0% (low risk) |
| Servpro | 10 | $1.5M | 0.0% (low risk) |
| Red Roof Inn | 9 | $16.1M | 0.0% (low risk) |
| Golden Corral (restaurant) | 8 | $14.8M | 25.0% (very high risk) |
| Best Western Inn | 8 | $20.5M | 0.0% (low risk) |
| Comfort/ Comfort Inn & Suites/ | 8 | $25.9M | 0.0% (low risk) |
| Super 8 | 7 | $13.9M | 0.0% (low risk) |
| Quality Inn | 7 | $10.9M | 0.0% (low risk) |
| Smartstyle | 6 | $3.1M | 0.0% (low risk) |
| Econo Lodge | 6 | $9.7M | 0.0% (low risk) |
| Penn Station, Inc. | 5 | $1.8M | 0.0% (low risk) |
| Motel 6 | 5 | $8.5M | 0.0% (low risk) |
| Jackson Hewitt Tax Service | 5 | $4.9M | 0.0% (low risk) |
| Supercuts | 5 | $6.5M | 0.0% (low risk) |
| Country Inns & Suites By Carls | 4 | $14.8M | 0.0% (low risk) |
| Choice Hotels International In | 4 | $8.8M | 0.0% (low risk) |
| Dunkin Donuts | 4 | $4.4M | 0.0% (low risk) |
| Sleep Inn/Sleep Inn & Suites | 4 | $10.3M | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
624.1% (low risk)
395.3% (moderate risk)
3511.1% (elevated risk)
283.7% (low risk)
230.0% (low risk)
190.0% (low risk)
1630.8% (very high risk)
140.0% (low risk)
1410.0% (elevated risk)
138.3% (moderate risk)
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
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). 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 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.