UB
SBA 7(a) franchise lending portfolio
Univest Bank and Trust Co
AVERAGE risk
- Total loans
- 62
- Loan volume
- $19.3M
- Avg loan size
- $311K
- Charge-off rate
- 11.4%
- vs 15.4% national avg
Defaults
4
Avg interest
8.27%
Franchises funded
46
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Pro Image | 3 | $250K | 0.0% (low risk) |
| One Hour Air Conditioning & He | 3 | $475K | N/A |
| redbox+ | 3 | $1.6M | N/A |
| Dairy Queen | 2 | $513K | 0.0% (low risk) |
| Saxbys Coffee | 2 | $201K | 0.0% (low risk) |
| Tcby | 2 | $265K | 0.0% (low risk) |
| Dickey's Barbeque | 2 | $140K | 0.0% (low risk) |
| Once Upon A Child | 2 | $300K | 0.0% (low risk) |
| Delta Disaster Services | 2 | $225K | 100.0% (very high risk) |
| KidStrong | 2 | $446K | N/A |
| Save-A-Lot Food Stores- Licens | 2 | $3.2M | 0.0% (low risk) |
| Budget Blinds | 2 | $393K | N/A |
| The Back Nine | 2 | $442K | N/A |
| Slack's Hoagie Shack | 1 | $160K | 0.0% (low risk) |
| Mike Schmidt's - Phila. Hoagie | 1 | $90K | 0.0% (low risk) |
| Wild Bird Centers | 1 | $75K | 0.0% (low risk) |
| Cindy's Cinnamon Rolls | 1 | $100K | 100.0% (very high risk) |
| Domino's Pizza | 1 | $135K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $87K | 0.0% (low risk) |
| Driveway Impressions | 1 | $211K | 0.0% (low risk) |
Lending volume by year
3'95
2'96
1'97
3'02
1'03
2'04
2'05
1'06
2'09
1'12
7'13
1'14
2'16
3'18
4'19
3'21
8'23
4'24
8'25
4'26
Univest Bank and Trust Co charge-off rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$19.3M
Defaults4 of 62
Risk tierAVERAGE
Avg rate8.27%
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 Univest Bank and Trust Co originated?
- 62 loans totaling $19.3M. The portfolio carries a 11.4% charge-off rate, earning a “AVERAGE” 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 Univest Bank and Trust Co fund the most?
- The “Top franchise exposures” table above lists the brands Univest Bank and Trust Co has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.