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SBA 7(a) franchise lending portfolio
United FCU
EXCELLENT risk
- Total loans
- 33
- Loan volume
- $47.8M
- Avg loan size
- $1.4M
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
8.12%
Franchises funded
31
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 2 | $285K | 0.0% |
| Dunkin Donuts/Baskin-Robbins C | 2 | $332K | 0.0% |
| Marble Slab Creamery | 1 | $291K | 0.0% |
| AAMCO Transmissions | 1 | $347K | — |
| The Lash Lounge | 1 | $249K | — |
| Slumberland | 1 | $325K | 0.0% |
| Papa John's Pizza | 1 | $230K | 0.0% |
| Club Tabby | 1 | $89K | 0.0% |
| Ace Hardware | 1 | $368K | 0.0% |
| Subway | 1 | $671K | 0.0% |
| Bevintel (f/K/A Bevinco) | 1 | $95K | 0.0% |
| Super 8 by Wyndhan | 1 | $3.4M | — |
| DQ Treat | 1 | $740K | — |
| Hardee's | 1 | $690K | — |
| The UPS Store (f/k/a Mail Box | 1 | $800K | — |
| Days Inn by Wyndham | 1 | $3.8M | — |
| Penn Station East Coast Subs | 1 | $573K | — |
| Quality Inn by Choice Hotels / | 1 | $2.9M | — |
| Wing Snob | 1 | $431K | — |
| The Toasted Yolk Cafe | 1 | $1.1M | — |
Lending volume by year
1'08
1'09
1'10
2'11
1'13
3'15
1'17
3'19
1'21
18'25
1'26
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%).