UB
SBA 7(a) franchise lending portfolio
Union Bank and Trust Company
Risk rating: Good
- Total loans
- 103
- Loan volume
- $34.6M
- Avg loan size
- $336K
- Charge-off rate
- 9.7%
- vs 16.0% national
Charged off
6
Avg interest
6.14%
Franchises funded
55
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| H&R Block | 11 | $5.3M | N/A |
| Scooter's Coffee | 10 | $7.2M | N/A |
| A Place At Home | 7 | $1.3M | N/A |
| Scissors & Scotch | 5 | $2.3M | N/A |
| Legato Living | 5 | $2.2M | N/A |
| 9round | 4 | $257K | N/A |
| Hobbytown Usa | 3 | $285K | N/A |
| Smoothie King | 3 | $404K | N/A |
| Dairy Queen Operating Agreemen | 3 | $1.3M | N/A |
| Curves For Women | 2 | $142K | N/A |
| Mail Boxes Etc. Usa | 2 | $238K | N/A |
| Zoup! | 2 | $440K | N/A |
| Pearle Vision | 2 | $860K | N/A |
| Fresh Healthy Vending | 2 | $150K | N/A |
| GolfTRK | 2 | $500K | N/A |
| Hotworx | 2 | $450K | N/A |
| Jimmy John's | 2 | $3.4M | N/A |
| Travelodge | 1 | $365K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 2 |
| FY1994 | 1 |
| FY1996 | 2 |
| FY1997 | 1 |
| FY2000 | 1 |
| FY2002 | 2 |
| FY2003 | 3 |
| FY2006 | 1 |
| FY2007 | 1 |
| FY2008 | 2 |
| FY2009 | 5 |
| FY2012 | 4 |
| FY2013 | 2 |
| FY2014 | 2 |
| FY2015 | 5 |
| FY2016 | 6 |
| FY2017 | 6 |
| FY2018 | 8 |
| FY2019 | 2 |
| FY2020 | 4 |
| FY2021 | 5 |
| FY2022 | 9 |
| FY2023 | 5 |
| FY2024 | 11 |
| FY2025 | 13 |
SBA 7(a) · charge-off rate by approval year
Union Bank and Trust Company charge-off rate by loan vintage
None of these 9 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2003 | 3 | 0 | Too few |
| 2009 | 5 | 2 | Too few |
| 2012 | 4 | 0 | Too few |
| 2015 | 5 | 2 | Too few |
| 2016 | 6 | 0 | Too few |
| 2017 | 6 | 0 | Too few |
| 2018 | 6 | 0 | Too few |
| 2020 | 3 | 0 | Too early |
| 2021 | 3 | 0 | Too early |
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.
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). 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. Union Bank and Trust Company's rate of 9.7% 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 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.