UP
SBA 7(a) franchise lending portfolio
United Pacific Bank
GOOD risk
- Total loans
- 19
- Loan volume
- $42.7M
- Avg loan size
- $2.2M
- Charge-off rate
- 5.9%
- vs 15.4% national avg
Defaults
1
Avg interest
5.18%
Franchises funded
16
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| KFC | 3 | $1.9M | 0.0% (low risk) |
| Golden Corral | 2 | $2.8M | 0.0% (low risk) |
| Del Taco | 1 | $575K | 0.0% (low risk) |
| Denny's Restaurant | 1 | $520K | 100.0% (very high risk) |
| Popeyes Louisiana Kitchen | 1 | $2.3M | 0.0% (low risk) |
| Travelodge | 1 | $5.0M | 0.0% (low risk) |
| Econo Lodge | 1 | $775K | 0.0% (low risk) |
| Motel 6 | 1 | $4.0M | 0.0% (low risk) |
| Best Western Inn | 1 | $2.9M | 0.0% (low risk) |
| Days Inn | 1 | $5.0M | 0.0% (low risk) |
| Sharetea | 1 | $639K | 0.0% (low risk) |
| Country Inns & Suites By Carls | 1 | $5.0M | 0.0% (low risk) |
| Motel 6 | 1 | $1.9M | 0.0% (low risk) |
| Best Western - Membership Agre | 1 | $4.0M | N/A |
| Travelodge by Wyndham | 1 | $2.5M | 0.0% (low risk) |
| Comfort Inn by Choice Hotels/C | 1 | $3.0M | 0.0% (low risk) |
Lending volume by year
2'06
1'11
2'14
2'15
1'16
2'17
3'18
2'19
1'20
2'21
1'22
Geographic exposure
195.9% (moderate risk)
Portfolio summary
Total funded$42.7M
Defaults1 of 19
Risk tierGOOD
Avg rate5.18%
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 Pacific Bank originated?
- 19 loans totaling $42.7M. The portfolio carries a 5.9% charge-off rate, earning a “GOOD” 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 Pacific Bank fund the most?
- The “Top franchise exposures” table above lists the brands United Pacific 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.