U
SBA 7(a) franchise lending portfolio
UniBank
EXCELLENT risk
- Total loans
- 155
- Loan volume
- $218.3M
- Avg loan size
- $1.4M
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.64%
Franchises funded
53
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| WaterStation | 77 | $49.3M | 0.0% (low risk) |
| Chevron - Retail Supply Contra | 5 | $11.1M | 0.0% (low risk) |
| Christensen Inc. dba Powell Pr | 4 | $4.3M | 0.0% (low risk) |
| Days Inn | 4 | $12.3M | 0.0% (low risk) |
| Subway Sandwich Shop | 3 | $701K | 0.0% (low risk) |
| Jackson Food Stores, Inc. (Exx | 3 | $5.2M | 0.0% (low risk) |
| PacWest Energy (Shell) Retail | 3 | $8.9M | 0.0% (low risk) |
| Wilson Oil, Inc. Contract of S | 3 | $6.7M | 0.0% (low risk) |
| Quality Inn/Quality Suites, Ho | 2 | $4.2M | 0.0% (low risk) |
| Super 8 | 2 | $4.6M | 0.0% (low risk) |
| Howard Johnson | 2 | $5.0M | 0.0% (low risk) |
| Econo Lodge | 2 | $4.9M | 0.0% (low risk) |
| Circle K | 2 | $1.1M | 0.0% (low risk) |
| Best Western Inn | 2 | $9.9M | 0.0% (low risk) |
| Phillips 66 Branded Reseller A | 2 | $3.2M | 0.0% (low risk) |
| Sun Pacific Energy Inc - Shel | 2 | $7.8M | 0.0% (low risk) |
| Choice Hotels International In | 1 | $615K | 0.0% (low risk) |
| Sleep Inn by Choice Hotels/Sle | 1 | $3.9M | 0.0% (low risk) |
| Menchie's | 1 | $219K | 0.0% (low risk) |
| Clarion Hotel | 1 | $2.2M | 0.0% (low risk) |
Lending volume by year
1'08
6'10
3'11
5'12
1'13
6'14
8'15
5'16
1'17
9'18
5'19
56'20
46'21
3'22
UniBank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
720.0% (low risk)
140.0% (low risk)
110.0% (low risk)
80.0% (low risk)
50.0% (low risk)
40.0% (low risk)
40.0% (low risk)
30.0% (low risk)
30.0% (low risk)
30.0% (low risk)
Portfolio summary
Total funded$218.3M
Defaults0 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). 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 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.