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SBA 7(a) franchise lending portfolio
United Business Bank
AVERAGE risk
- Total loans
- 251
- Loan volume
- $314.6M
- Avg loan size
- $1.3M
- Default 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% |
| Juice It Up | 8 | $1.4M | 75.0% |
| Best Western Inn | 6 | $10.8M | 16.7% |
| Days Inn | 6 | $13.2M | 0.0% |
| Shell Service Station | 6 | $13.3M | 0.0% |
| AM/PM Mini-Mart Agreement - AR | 5 | $9.3M | 0.0% |
| Big O Tires | 5 | $5.9M | 0.0% |
| Chevron (gas Station) | 5 | $9.3M | 0.0% |
| Quiznos | 4 | $805K | 25.0% |
| Rodeway Inns | 4 | $5.2M | 0.0% |
| Travelodge | 4 | $8.2M | 0.0% |
| Valero | 4 | $7.7M | 0.0% |
| Van De Pol Enterprises, Inc. ( | 4 | $11.1M | 0.0% |
| Togo's and TOGO'S | 4 | $1.7M | 0.0% |
| Wetzel's Pretzels | 4 | $2.3M | — |
| Comfort Inn | 3 | $6.1M | 0.0% |
| Econo Lodge Motel | 3 | $3.3M | 0.0% |
| Mountain Mike's Pizza | 3 | $830K | 33.3% |
| Super 8 Motel | 3 | $4.2M | 33.3% |
| Econo Lodge | 3 | $2.8M | 0.0% |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
19110.9%
200.0%
925.0%
50.0%
450.0%
433.3%
30.0%
350.0%
20.0%
2—
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
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%).