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SBA 7(a) franchise lending portfolio
United Community Bank
AVERAGE risk
- Total loans
- 873
- Loan volume
- $596.5M
- Avg loan size
- $683K
- Default rate
- 11.3%
- vs 15.4% national avg
Defaults
47
Avg interest
7.25%
Franchises funded
332
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The UPS Store (f/k/a Mail Box | 59 | $24.1M | 0.0% |
| Bruster's Real Ice Cream | 29 | $18.5M | 0.0% |
| Domino's | 24 | $17.3M | 0.0% |
| Jersey Mike's | 18 | $9.7M | 0.0% |
| Smoothie King | 16 | $7.6M | 0.0% |
| Tropical Smoothie Cafe | 16 | $8.6M | 0.0% |
| American Family Care/AFC Urgen | 16 | $16.6M | 0.0% |
| Eggs Up Grill | 13 | $8.7M | 0.0% |
| The Learning Experience | 11 | $4.1M | 33.3% |
| Marco's Pizza | 11 | $4.1M | 0.0% |
| Fastsigns | 10 | $6.3M | 0.0% |
| Zaxby's | 10 | $19.8M | 0.0% |
| Crumbl | 10 | $8.4M | 0.0% |
| Pet Supplies Plus | 9 | $6.5M | 0.0% |
| Pearle Vision | 9 | $4.4M | 0.0% |
| Clean Eatz | 9 | $4.3M | 0.0% |
| Dairy Queen | 8 | $3.1M | 12.5% |
| The UPS Store | 8 | $1.8M | 0.0% |
| Dogtopia | 8 | $6.0M | 0.0% |
| Nothing Bundt Cakes | 8 | $5.6M | 0.0% |
Lending volume by year
1'92
2
5
3
2
2'98
3
3
5
2
2'04
2
4
3
7
10'09
12
17
12
10
8'14
23
45
62
95
59'19
78
95
69
82
48'24
87
15'26
United Community Bank default rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Geographic exposure
1236.2%
984.9%
9725.0%
8716.2%
7314.6%
4613.2%
3612.0%
3225.0%
306.2%
257.7%
Portfolio summary
Total funded$596.5M
Defaults47 of 873
Risk tierAVERAGE
Avg rate7.25%
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%).