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SBA 7(a) franchise lending portfolio
Unity National Bank of Houston
CRITICAL risk
- Total loans
- 32
- Loan volume
- $3.1M
- Avg loan size
- $96K
- Default rate
- 37.5%
- vs 15.4% national avg
Defaults
9
Avg interest
6.75%
Franchises funded
7
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Mary Kay Cosmetics | 21 | $79K | 42.9% |
| Success On The Spectrum | 6 | $1.6M | 0.0% |
| Shipley Donut Shop | 1 | $295K | 0.0% |
| Smallcakes Cupcakery | 1 | $220K | — |
| Smoothie King | 1 | $348K | — |
| Tropical Smoothie Cafe | 1 | $362K | — |
| Naturals2Go | 1 | $210K | 0.0% |
Lending volume by year
1'94
21'96
1'18
1'19
1'20
3'21
3'22
1'24
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%).