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SBA 7(a) franchise lending portfolio
United Pacific Bank
GOOD risk
- Total loans
- 19
- Loan volume
- $42.7M
- Avg loan size
- $2.2M
- Default 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% |
| Golden Corral | 2 | $2.8M | 0.0% |
| Del Taco | 1 | $575K | 0.0% |
| Denny's Restaurant | 1 | $520K | 100.0% |
| Popeyes Louisiana Kitchen | 1 | $2.3M | 0.0% |
| Travelodge | 1 | $5.0M | 0.0% |
| Econo Lodge | 1 | $775K | 0.0% |
| Motel 6 | 1 | $4.0M | 0.0% |
| Best Western Inn | 1 | $2.9M | 0.0% |
| Days Inn | 1 | $5.0M | 0.0% |
| Sharetea | 1 | $639K | 0.0% |
| Country Inns & Suites By Carls | 1 | $5.0M | 0.0% |
| Motel 6 | 1 | $1.9M | 0.0% |
| Best Western - Membership Agre | 1 | $4.0M | — |
| Travelodge by Wyndham | 1 | $2.5M | 0.0% |
| Comfort Inn by Choice Hotels/C | 1 | $3.0M | 0.0% |
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%
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
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%).