UN
SBA 7(a) franchise lending portfolio
Unity National Bank of Houston
CRITICAL risk
- Total loans
- 32
- Loan volume
- $3.1M
- Avg loan size
- $96K
- Charge-off 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% (very high risk) |
| Success On The Spectrum | 6 | $1.6M | 0.0% (low risk) |
| Shipley Donut Shop | 1 | $295K | 0.0% (low risk) |
| Smallcakes Cupcakery | 1 | $220K | N/A |
| Smoothie King | 1 | $348K | N/A |
| Tropical Smoothie Cafe | 1 | $362K | N/A |
| Naturals2Go | 1 | $210K | 0.0% (low risk) |
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
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 Unity National Bank of Houston originated?
- 32 loans totaling $3.1M. The portfolio carries a 37.5% charge-off rate, earning a “CRITICAL” 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 Unity National Bank of Houston fund the most?
- The “Top franchise exposures” table above lists the brands Unity National Bank of Houston has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.