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SBA 7(a) franchise lending portfolio
Union Bank and Trust Company
GOOD risk
- Total loans
- 103
- Loan volume
- $34.6M
- Avg loan size
- $336K
- Default 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% |
| H&r Block | 9 | $3.8M | 0.0% |
| A Place At Home | 7 | $1.3M | 0.0% |
| Scissors & Scotch | 5 | $2.3M | 0.0% |
| Legato Living | 5 | $2.2M | — |
| Hobbytown Usa | 3 | $285K | 66.7% |
| Smoothie King | 3 | $404K | 0.0% |
| Dairy Queen Operating Agreemen | 3 | $1.3M | — |
| Curves For Women | 2 | $142K | 0.0% |
| Mail Boxes Etc. Usa | 2 | $238K | 0.0% |
| 9round | 2 | $150K | 0.0% |
| Zoup! | 2 | $440K | 50.0% |
| Pearle Vision | 2 | $860K | 0.0% |
| 9Round | 2 | $107K | 0.0% |
| Fresh Healthy Vending | 2 | $150K | 0.0% |
| H&R Block - Franchise License | 2 | $1.5M | 0.0% |
| GolfTRK | 2 | $500K | — |
| Hotworx | 2 | $450K | — |
| Jimmy John's | 2 | $3.4M | — |
| Travelodge | 1 | $365K | 0.0% |
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 default rate by loan vintage
BrandNational avg
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%).