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SBA 7(a) franchise lending portfolio
Unity Bank
AVERAGE risk
- Total loans
- 238
- Loan volume
- $136.1M
- Avg loan size
- $572K
- Default rate
- 12.1%
- vs 15.4% national avg
Defaults
27
Avg interest
6.47%
Franchises funded
104
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Manhattan Bagel Co. | 23 | $2.8M | 9.1% |
| Subway Sandwich Shop | 20 | $4.2M | 5.0% |
| Dunkin Donuts | 18 | $12.0M | 11.1% |
| Days Inn | 9 | $10.8M | 0.0% |
| Super 8 Motel | 8 | $9.4M | 12.5% |
| Quiznos | 6 | $1.1M | 16.7% |
| Econo Lodge Motel | 5 | $6.2M | 0.0% |
| Jersey Mike's (deli Restaurant | 5 | $947K | 0.0% |
| Mobil Oil (stations) | 5 | $3.4M | 0.0% |
| Edible Arrangements | 4 | $673K | 0.0% |
| Carvel Ice Cream | 3 | $500K | 0.0% |
| Cottman Transmission | 3 | $455K | 0.0% |
| Amoco (gas Station) | 3 | $1.5M | 0.0% |
| Holiday Inn | 3 | $3.9M | 0.0% |
| Servpro | 3 | $310K | 0.0% |
| Ramada Inn | 3 | $2.7M | 66.7% |
| Mail Boxes Etc. Usa | 3 | $548K | 0.0% |
| Retro Fitness | 3 | $3.1M | 0.0% |
| K-9 Resorts Daycare & Luxury H | 3 | $8.5M | 0.0% |
| Comfort Inn | 2 | $1.9M | 0.0% |
Lending volume by year
1'92
2
6
13
9
3'97
5
3
15
10
15'02
23
16
32
11
7'07
23
2
3
1
3'12
4
1
4
8
4'18
2
2
7
1
1'24
1'25
Unity Bank default rate by loan vintage
BrandNational avg
Geographic exposure
1148.6%
3816.7%
287.4%
80.0%
70.0%
520.0%
333.3%
30.0%
30.0%
366.7%
Portfolio summary
Total funded$136.1M
Defaults27 of 238
Risk tierAVERAGE
Avg rate6.47%
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%).