SBA 7(a) franchise lending portfolio
United Business Bank
- Total loans
- 251
- Loan volume
- $314.6M
- Avg loan size
- $1.3M
- Charge-off rate
- 11.6%
- vs 16.0% national
Charged off
21
Avg interest
6.15%
Franchises funded
143
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Papa John's | 9 | $5.0M | N/A |
| Juice It Up | 8 | $1.4M | N/A |
| Best Western Inn | 6 | $10.8M | N/A |
| Days Inn | 6 | $13.2M | N/A |
| Shell Service Station | 6 | $13.3M | N/A |
| Econo Lodge Motel | 6 | $6.2M | N/A |
| AM/PM Mini-Mart Agreement - AR | 5 | $9.3M | N/A |
| Big O Tires | 5 | $5.9M | N/A |
| Chevron (gas Station) | 5 | $9.3M | N/A |
| Quiznos | 4 | $805K | N/A |
| Rodeway Inns | 4 | $5.2M | N/A |
| Travelodge | 4 | $8.2M | N/A |
| Valero | 4 | $7.7M | N/A |
| Van De Pol Enterprises, Inc. ( | 4 | $11.1M | N/A |
| Togo's and TOGO'S | 4 | $1.7M | N/A |
| Wetzel's Pretzels | 4 | $2.3M | N/A |
| Comfort Inn | 3 | $6.1M | N/A |
| Mountain Mike's Pizza | 3 | $830K | N/A |
| Super 8 Motel | 3 | $4.2M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 1 |
| FY1993 | 1 |
| FY1994 | 1 |
| FY1998 | 1 |
| FY2001 | 2 |
| FY2002 | 4 |
| FY2003 | 3 |
| FY2004 | 7 |
| FY2005 | 6 |
| FY2006 | 5 |
| FY2007 | 6 |
| FY2008 | 11 |
| FY2009 | 8 |
| FY2010 | 6 |
| FY2011 | 9 |
| FY2012 | 2 |
| FY2013 | 8 |
| FY2014 | 11 |
| FY2015 | 12 |
| FY2016 | 20 |
| FY2017 | 21 |
| FY2018 | 29 |
| FY2019 | 20 |
| FY2020 | 17 |
| FY2021 | 16 |
| FY2022 | 12 |
| FY2023 | 7 |
| FY2024 | 4 |
| FY2025 | 1 |
SBA 7(a) · charge-off rate by approval year
United Business Bank: below all franchise loans in 6 of 7 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2002 | 4 | 0 | Too few |
| 2003 | 3 | 0 | Too few |
| 2004 | 7 | 1 | Too few |
| 2005 | 6 | 3 | Too few |
| 2006 | 5 | 3 | Too few |
| 2007 | 6 | 4 | Too few |
| 2008 | 11 | 7 | 63.6% |
| 2009 | 8 | 1 | Too few |
| 2010 | 6 | 0 | Too few |
| 2011 | 9 | 0 | Too few |
| 2013 | 7 | 0 | Too few |
| 2014 | 11 | 0 | 0.0% |
| 2015 | 10 | 0 | 0.0% |
| 2016 | 12 | 1 | 8.3% |
| 2017 | 15 | 0 | 0.0% |
| 2018 | 19 | 0 | 0.0% |
| 2019 | 13 | 1 | 7.7% |
| 2020 | 9 | 0 | Too early |
| 2021 | 7 | 0 | Too early |
| 2022 | 5 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
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 United Business Bank originated?
- 251 loans totaling $314.6M. The portfolio carries a 11.6% 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). 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. United Business Bank's rate of 11.6% 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 United Business Bank fund the most?
- The “Top franchise exposures” table above lists the brands United Business 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.