SBA 7(a) franchise lending portfolio
United Community Bank
- Total loans
- 873
- Loan volume
- $596.5M
- Avg loan size
- $683K
- Charge-off rate
- 11.3%
- vs 16.0% national
Charged off
47
Avg interest
7.25%
Franchises funded
332
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| The UPS Store (f/k/a Mail Box | 67 | $25.9M | 0.0% (excellent) |
| Bruster's Real Ice Cream | 29 | $18.5M | N/A |
| Domino's | 24 | $17.3M | N/A |
| Jersey Mike's | 18 | $9.7M | N/A |
| Smoothie King | 16 | $7.6M | N/A |
| Tropical Smoothie Cafe | 16 | $8.6M | N/A |
| American Family Care/AFC Urgen | 16 | $16.6M | N/A |
| Eggs Up Grill | 13 | $8.7M | N/A |
| The Learning Experience | 11 | $4.1M | N/A |
| Marco's Pizza | 11 | $4.1M | N/A |
| Fastsigns | 10 | $6.3M | N/A |
| Zaxby's | 10 | $19.8M | N/A |
| Crumbl | 10 | $8.4M | N/A |
| Pet Supplies Plus | 9 | $6.5M | N/A |
| Pearle Vision | 9 | $4.4M | N/A |
| Clean Eatz | 9 | $4.3M | N/A |
| Dairy Queen | 8 | $3.1M | N/A |
| Dogtopia | 8 | $6.0M | N/A |
| Nothing Bundt Cakes | 8 | $5.6M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 1 |
| FY1994 | 2 |
| FY1995 | 5 |
| FY1996 | 3 |
| FY1997 | 2 |
| FY1998 | 2 |
| FY1999 | 3 |
| FY2000 | 3 |
| FY2002 | 5 |
| FY2003 | 2 |
| FY2004 | 2 |
| FY2005 | 2 |
| FY2006 | 4 |
| FY2007 | 3 |
| FY2008 | 7 |
| FY2009 | 10 |
| FY2010 | 12 |
| FY2011 | 17 |
| FY2012 | 12 |
| FY2013 | 10 |
| FY2014 | 8 |
| FY2015 | 23 |
| FY2016 | 45 |
| FY2017 | 62 |
| FY2018 | 95 |
| FY2019 | 59 |
| FY2020 | 78 |
| FY2021 | 95 |
| FY2022 | 69 |
| FY2023 | 82 |
| FY2024 | 48 |
| FY2025 | 87 |
| FY2026 | 15 |
SBA 7(a) · charge-off rate by approval year
United Community Bank: below all franchise loans in 7 of 11 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 |
|---|---|---|---|
| 1995 | 5 | 2 | Too few |
| 1996 | 3 | 0 | Too few |
| 1999 | 3 | 0 | Too few |
| 2000 | 3 | 1 | Too few |
| 2002 | 5 | 1 | Too few |
| 2006 | 4 | 0 | Too few |
| 2007 | 3 | 2 | Too few |
| 2008 | 6 | 2 | Too few |
| 2009 | 9 | 1 | Too few |
| 2010 | 11 | 0 | 0.0% |
| 2011 | 17 | 3 | 17.6% |
| 2012 | 11 | 0 | 0.0% |
| 2013 | 9 | 0 | Too few |
| 2014 | 8 | 0 | Too few |
| 2015 | 21 | 1 | 4.8% |
| 2016 | 32 | 3 | 9.4% |
| 2017 | 51 | 9 | 17.6% |
| 2018 | 68 | 13 | 19.1% |
| 2019 | 39 | 4 | 10.3% |
| 2020 | 36 | 3 | 8.3% |
| 2021 | 31 | 0 | 0.0% |
| 2022 | 19 | 0 | 0.0% |
| 2023 | 7 | 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 Community Bank originated?
- 873 loans totaling $596.5M. The portfolio carries a 11.3% 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 Community Bank's rate of 11.3% 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 Community Bank fund the most?
- The “Top franchise exposures” table above lists the brands United Community 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.