UB
SBA 7(a) franchise lending portfolio
Union Bank and Trust Company
GOOD risk
- Total loans
- 103
- Loan volume
- $34.6M
- Avg loan size
- $336K
- Charge-off rate
- 9.7%
- vs 15.4% national avg
Defaults
6
Avg interest
6.14%
Franchises funded
55
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Scooter's Coffee | 10 | $7.2M | 0.0% (low risk) |
| H&r Block | 9 | $3.8M | 0.0% (low risk) |
| A Place At Home | 7 | $1.3M | 0.0% (low risk) |
| Scissors & Scotch | 5 | $2.3M | 0.0% (low risk) |
| Legato Living | 5 | $2.2M | N/A |
| Hobbytown Usa | 3 | $285K | 66.7% (very high risk) |
| Smoothie King | 3 | $404K | 0.0% (low risk) |
| Dairy Queen Operating Agreemen | 3 | $1.3M | N/A |
| Curves For Women | 2 | $142K | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 2 | $238K | 0.0% (low risk) |
| 9round | 2 | $150K | 0.0% (low risk) |
| Zoup! | 2 | $440K | 50.0% (very high risk) |
| Pearle Vision | 2 | $860K | 0.0% (low risk) |
| 9Round | 2 | $107K | 0.0% (low risk) |
| Fresh Healthy Vending | 2 | $150K | 0.0% (low risk) |
| H&R Block - Franchise License | 2 | $1.5M | 0.0% (low risk) |
| GolfTRK | 2 | $500K | N/A |
| Hotworx | 2 | $450K | N/A |
| Jimmy John's | 2 | $3.4M | N/A |
| Travelodge | 1 | $365K | 0.0% (low risk) |
Lending volume by year
2'92
1
2
1
1
2'02
3
1
1
2
5'09
4
2
2
5
6'16
6
8
2
4
5'21
9
5
11
13'25
Union Bank and Trust Company charge-off rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$34.6M
Defaults6 of 103
Risk tierGOOD
Avg rate6.14%
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 Union Bank and Trust Company originated?
- 103 loans totaling $34.6M. The portfolio carries a 9.7% charge-off rate, earning a “GOOD” 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 Union Bank and Trust Company fund the most?
- The “Top franchise exposures” table above lists the brands Union Bank and Trust Company has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.