UP
SBA 7(a) franchise lending portfolio
United Prairie Bank
EXCELLENT risk
- Total loans
- 19
- Loan volume
- $4.6M
- Avg loan size
- $240K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
4.98%
Franchises funded
14
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Arco (BP) Contract Dealer Gaso | 4 | $1.8M | 0.0% (low risk) |
| Pizza Ranch | 2 | $156K | 0.0% (low risk) |
| CHS., Inc. (Cenex) Branded Pet | 2 | $301K | 0.0% (low risk) |
| NAPA Auto Parts | 1 | $195K | 0.0% (low risk) |
| Quiznos | 1 | $120K | 0.0% (low risk) |
| Jimmy's Pizza | 1 | $145K | N/A |
| Domino's Pizza | 1 | $93K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $150K | 0.0% (low risk) |
| ServiceMaster | 1 | $84K | 0.0% (low risk) |
| Servicemaster | 1 | $162K | 0.0% (low risk) |
| Temporary Franchises | 1 | $120K | 0.0% (low risk) |
| Servicemaster Clean | 1 | $350K | 0.0% (low risk) |
| Great Clips | 1 | $250K | N/A |
| Dunkin' Donuts | 1 | $650K | N/A |
Lending volume by year
1'92
1'02
1'07
2'10
1'12
1'13
1'14
2'15
1'19
8'21
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 Prairie Bank originated?
- 19 loans totaling $4.6M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Prairie Bank fund the most?
- The “Top franchise exposures” table above lists the brands United Prairie 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.