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SBA 7(a) franchise lending portfolio
UMB Bank, National Association
ELEVATED risk
- Total loans
- 442
- Loan volume
- $154.0M
- Avg loan size
- $349K
- Default rate
- 18.8%
- vs 15.4% national avg
Defaults
74
Avg interest
5.83%
Franchises funded
223
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Cousins Submarines (restaurant | 22 | $5.0M | 13.6% |
| Quiznos | 20 | $2.7M | 10.0% |
| Subway Sandwich Shop | 18 | $2.9M | 5.6% |
| Subway | 17 | $4.1M | 18.8% |
| Mr. Goodcents Sub' And Pasta | 16 | $1.9M | 25.0% |
| Anytime Fitness | 10 | $2.5M | 30.0% |
| Cousins Subs | 8 | $1.2M | 0.0% |
| Ace Hardware | 7 | $2.6M | 0.0% |
| Deli Delicious | 7 | $1.4M | 33.3% |
| Play It Again Sports (retail S | 6 | $415K | 33.3% |
| Culver's Frozen Custard | 6 | $2.5M | 0.0% |
| Cheezteak Company | 5 | $658K | 100.0% |
| Paciugo Italian Gelato Renaiss | 5 | $1.0M | 60.0% |
| Toppers Pizza | 5 | $912K | 0.0% |
| Super 8 | 5 | $3.3M | 0.0% |
| Jamba Juice | 5 | $2.5M | 0.0% |
| Huhot Mongolian Grill | 4 | $1.2M | 0.0% |
| Visiting Angels | 4 | $489K | 0.0% |
| Sports Clips | 4 | $505K | 0.0% |
| Dunkin' Donuts | 4 | $2.6M | — |
Lending volume by year
3'92
11
11
9
10
7'97
1
6
5
12
10'02
20
20
22
24
21'07
24
10
10
18
14'12
16
27
30
23
18'17
8
11
7
10
11'22
5
5
3'25
UMB Bank, National Association default rate by loan vintage
BrandNational avg
Geographic exposure
11018.5%
6815.6%
6714.3%
4516.2%
3124.0%
2716.0%
2536.0%
2126.7%
140.0%
1110.0%
Portfolio summary
Total funded$154.0M
Defaults74 of 442
Risk tierELEVATED
Avg rate5.83%
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%).