![UniBank logo](https://cdn.brandfetch.io/unibank.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
UniBank
EXCELLENT risk
- Total loans
- 155
- Loan volume
- $218.3M
- Avg loan size
- $1.4M
- Default 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% |
| Chevron - Retail Supply Contra | 5 | $11.1M | 0.0% |
| Christensen Inc. dba Powell Pr | 4 | $4.3M | 0.0% |
| Days Inn | 4 | $12.3M | 0.0% |
| Subway Sandwich Shop | 3 | $701K | 0.0% |
| Jackson Food Stores, Inc. (Exx | 3 | $5.2M | 0.0% |
| PacWest Energy (Shell) Retail | 3 | $8.9M | 0.0% |
| Wilson Oil, Inc. Contract of S | 3 | $6.7M | 0.0% |
| Quality Inn/Quality Suites, Ho | 2 | $4.2M | 0.0% |
| Super 8 | 2 | $4.6M | 0.0% |
| Howard Johnson | 2 | $5.0M | 0.0% |
| Econo Lodge | 2 | $4.9M | 0.0% |
| Circle K | 2 | $1.1M | 0.0% |
| Best Western Inn | 2 | $9.9M | 0.0% |
| Phillips 66 Branded Reseller A | 2 | $3.2M | 0.0% |
| Sun Pacific Energy Inc - Shel | 2 | $7.8M | 0.0% |
| Choice Hotels International In | 1 | $615K | 0.0% |
| Sleep Inn by Choice Hotels/Sle | 1 | $3.9M | 0.0% |
| Menchie's | 1 | $219K | 0.0% |
| Clarion Hotel | 1 | $2.2M | 0.0% |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
720.0%
140.0%
110.0%
80.0%
50.0%
40.0%
40.0%
30.0%
30.0%
30.0%
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
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%).