UB
SBA 7(a) franchise lending portfolio
Unified Bank
AVERAGE risk
- Total loans
- 15
- Loan volume
- $4.4M
- Avg loan size
- $294K
- Charge-off rate
- 13.3%
- vs 15.4% national avg
Defaults
2
Avg interest
4.44%
Franchises funded
13
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Action International | 2 | $200K | 0.0% (low risk) |
| Once Upon A Child | 2 | $61K | 0.0% (low risk) |
| Lemstone Books | 1 | $95K | 0.0% (low risk) |
| Interim Services, Inc. | 1 | $1.0M | 100.0% (very high risk) |
| Comfort Inn | 1 | $1.3M | 0.0% (low risk) |
| Cold Stone Creamery, Inc. | 1 | $195K | 0.0% (low risk) |
| AAMCO Transmissions | 1 | $167K | 100.0% (very high risk) |
| Grinders And Such, Inc. | 1 | $144K | 0.0% (low risk) |
| Quiznos | 1 | $150K | 0.0% (low risk) |
| East Of Chicago Pizza | 1 | $140K | 0.0% (low risk) |
| Exxon | 1 | $40K | 0.0% (low risk) |
| Chrysler | 1 | $300K | 0.0% (low risk) |
| Buffalo Wild Wings (f/K/A Bw-3 | 1 | $663K | 0.0% (low risk) |
Lending volume by year
1'93
1'97
1'98
1'02
1'04
1'05
4'06
1'07
1'11
1'13
2'15
Geographic exposure
Portfolio summary
Total funded$4.4M
Defaults2 of 15
Risk tierAVERAGE
Avg rate4.44%
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 Unified Bank originated?
- 15 loans totaling $4.4M. The portfolio carries a 13.3% charge-off rate, earning a “AVERAGE” 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 Unified Bank fund the most?
- The “Top franchise exposures” table above lists the brands Unified Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.