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SBA 7(a) franchise lending portfolio
United Western Bank
CRITICAL risk
- Total loans
- 28
- Loan volume
- $8.5M
- Avg loan size
- $303K
- Default rate
- 25.0%
- vs 15.4% national avg
Defaults
7
Avg interest
6.00%
Franchises funded
19
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Wingstop Restaurant | 4 | $745K | 25.0% |
| Nick-N-Willy's Pizza | 3 | $367K | 0.0% |
| Subway Sandwich Shop | 3 | $537K | 33.3% |
| Verlo Mattress Factory Stores | 2 | $1.7M | 0.0% |
| Jimmy John's | 2 | $863K | 0.0% |
| Marble Slab Creamery | 1 | $237K | 0.0% |
| Arby's | 1 | $202K | 100.0% |
| Super 8 Motel | 1 | $300K | 0.0% |
| Honest-1 Auto Care | 1 | $335K | 0.0% |
| Blackjack Pizza | 1 | $235K | 0.0% |
| 123 Fit | 1 | $150K | 100.0% |
| Choice Hotels International In | 1 | $2.0M | 0.0% |
| Pudge Bros. Pizza | 1 | $83K | 100.0% |
| Auntie Ann's (soft Pretzels) | 1 | $155K | 0.0% |
| Novus Windshield Repair | 1 | $127K | 0.0% |
| Mad Science Group, The | 1 | $149K | 100.0% |
| Budget Framer | 1 | $115K | 100.0% |
| Pizza Patron | 1 | $100K | 0.0% |
| Little Gym | 1 | $144K | 0.0% |
Lending volume by year
1'99
4'00
5'01
3'02
4'03
3'04
3'05
1'06
1'07
3'09
United Western Bank default rate by loan vintage
BrandNational avg
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%).