UB
SBA 7(a) franchise lending portfolio
United Business Bank
AVERAGE risk
- Total loans
- 251
- Loan volume
- $314.6M
- Avg loan size
- $1.3M
- Charge-off rate
- 11.6%
- vs 15.4% national avg
Defaults
21
Avg interest
6.15%
Franchises funded
143
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Papa John's | 9 | $5.0M | 0.0% (low risk) |
| Juice It Up | 8 | $1.4M | 75.0% (very high risk) |
| Best Western Inn | 6 | $10.8M | 16.7% (high risk) |
| Days Inn | 6 | $13.2M | 0.0% (low risk) |
| Shell Service Station | 6 | $13.3M | 0.0% (low risk) |
| AM/PM Mini-Mart Agreement - AR | 5 | $9.3M | 0.0% (low risk) |
| Big O Tires | 5 | $5.9M | 0.0% (low risk) |
| Chevron (gas Station) | 5 | $9.3M | 0.0% (low risk) |
| Quiznos | 4 | $805K | 25.0% (very high risk) |
| Rodeway Inns | 4 | $5.2M | 0.0% (low risk) |
| Travelodge | 4 | $8.2M | 0.0% (low risk) |
| Valero | 4 | $7.7M | 0.0% (low risk) |
| Van De Pol Enterprises, Inc. ( | 4 | $11.1M | 0.0% (low risk) |
| Togo's and TOGO'S | 4 | $1.7M | 0.0% (low risk) |
| Wetzel's Pretzels | 4 | $2.3M | N/A |
| Comfort Inn | 3 | $6.1M | 0.0% (low risk) |
| Econo Lodge Motel | 3 | $3.3M | 0.0% (low risk) |
| Mountain Mike's Pizza | 3 | $830K | 33.3% (very high risk) |
| Super 8 Motel | 3 | $4.2M | 33.3% (very high risk) |
| Econo Lodge | 3 | $2.8M | 0.0% (low risk) |
Lending volume by year
1'92
1
1
1
2
4'02
3
7
6
5
6'07
11
8
6
9
2'12
8
11
12
20
21'17
29
20
17
16
12'22
7
4
1'25
United Business Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
19110.9% (elevated risk)
200.0% (low risk)
925.0% (very high risk)
50.0% (low risk)
450.0% (very high risk)
433.3% (very high risk)
30.0% (low risk)
350.0% (very high risk)
20.0% (low risk)
2N/A
Portfolio summary
Total funded$314.6M
Defaults21 of 251
Risk tierAVERAGE
Avg rate6.15%
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). 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 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.