MU
SBA 7(a) franchise lending portfolio
MUFG Union Bank, National Association
CRITICAL risk
- Total loans
- 10
- Loan volume
- $923K
- Avg loan size
- $92K
- Charge-off rate
- 20.0%
- vs 15.4% national avg
Defaults
2
Avg interest
N/A
Franchises funded
10
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Culligan Soft Water Service | 1 | $75K | 0.0% (low risk) |
| Baskin-Robbins 31 Ice Cream | 1 | $100K | 100.0% (very high risk) |
| Play It Again Sports (retail S | 1 | $60K | 0.0% (low risk) |
| Once Upon A Child | 1 | $60K | 0.0% (low risk) |
| Taco Maker | 1 | $78K | 0.0% (low risk) |
| Texaco Express Lube & Star Lub | 1 | $45K | 0.0% (low risk) |
| Post Net | 1 | $100K | 100.0% (very high risk) |
| Cold Stone Creamery, Inc. | 1 | $180K | 0.0% (low risk) |
| Sign-A-Rama | 1 | $150K | 0.0% (low risk) |
| Stained Glass Overlay, Inc. | 1 | $75K | 0.0% (low risk) |
Lending volume by year
1'93
3'95
3'97
1'00
1'01
1'02
Geographic exposure
616.7% (high risk)
250.0% (very high risk)
10.0% (low risk)
10.0% (low risk)
Portfolio summary
Total funded$923K
Defaults2 of 10
Risk tierCRITICAL
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 MUFG Union Bank, National Association originated?
- 10 loans totaling $0.9M. The portfolio carries a 20.0% charge-off rate, earning a “CRITICAL” 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 MUFG Union Bank, National Association fund the most?
- The “Top franchise exposures” table above lists the brands MUFG Union Bank, 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.