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SBA 7(a) franchise lending portfolio
UniBank
Risk rating: Excellent
- Total loans
- 155
- Loan volume
- $218.3M
- Avg loan size
- $1.4M
- Charge-off rate
- 0.0%
- vs 16.0% national
Charged off
0
Avg interest
5.64%
Franchises funded
53
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| WaterStation | 77 | $49.3M | 0.0% (excellent) |
| Chevron - Retail Supply Contra | 5 | $11.1M | N/A |
| Christensen Inc. dba Powell Pr | 4 | $4.3M | N/A |
| Days Inn | 4 | $12.3M | N/A |
| Subway Sandwich Shop | 3 | $701K | N/A |
| Jackson Food Stores, Inc. (Exx | 3 | $5.2M | N/A |
| PacWest Energy (Shell) Retail | 3 | $8.9M | N/A |
| Wilson Oil, Inc. Contract of S | 3 | $6.7M | N/A |
| Quality Inn/Quality Suites, Ho | 2 | $4.2M | N/A |
| Super 8 | 2 | $4.6M | N/A |
| Howard Johnson | 2 | $5.0M | N/A |
| Econo Lodge | 2 | $4.9M | N/A |
| Circle K | 2 | $1.1M | N/A |
| Best Western Inn | 2 | $9.9M | N/A |
| Phillips 66 Branded Reseller A | 2 | $3.2M | N/A |
| Sun Pacific Energy Inc - Shel | 2 | $7.8M | N/A |
| Choice Hotels International In | 1 | $615K | N/A |
| Sleep Inn by Choice Hotels/Sle | 1 | $3.9M | N/A |
| Menchie's | 1 | $219K | N/A |
| Clarion Hotel | 1 | $2.2M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2008 | 1 |
| FY2010 | 6 |
| FY2011 | 3 |
| FY2012 | 5 |
| FY2013 | 1 |
| FY2014 | 6 |
| FY2015 | 8 |
| FY2016 | 5 |
| FY2017 | 1 |
| FY2018 | 9 |
| FY2019 | 5 |
| FY2020 | 56 |
| FY2021 | 46 |
| FY2022 | 3 |
SBA 7(a) · charge-off rate by approval year
UniBank: no charge-offs among resolved loans in the 2 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2010 | 6 | 0 | Too few |
| 2011 | 3 | 0 | Too few |
| 2012 | 5 | 0 | Too few |
| 2014 | 6 | 0 | Too few |
| 2015 | 7 | 0 | Too few |
| 2016 | 5 | 0 | Too few |
| 2018 | 5 | 0 | Too few |
| 2019 | 5 | 0 | Too few |
| 2020 | 38 | 0 | 0.0% |
| 2021 | 25 | 0 | 0.0% |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
720.0% (excellent)
140.0% (excellent)
110.0% (excellent)
8N/A
5N/A
4N/A
4N/A
3N/A
3N/A
3N/A
Portfolio summary
Total funded$218.3M
Charged off0 of 155
Risk tierExcellent
Avg rate5.64%
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 UniBank originated?
- 155 loans totaling $218.3M. The portfolio carries a 0.0% charge-off rate, earning a “Excellent” 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. UniBank's rate of 0.0% 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 UniBank fund the most?
- The “Top franchise exposures” table above lists the brands UniBank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.