UB
SBA 7(a) franchise lending portfolio
Univest Bank and Trust Co
Risk rating: Average
- Total loans
- 62
- Loan volume
- $19.3M
- Avg loan size
- $311K
- Charge-off rate
- 11.4%
- vs 16.0% national
Charged off
4
Avg interest
8.27%
Franchises funded
46
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Pro Image | 3 | $250K | N/A |
| One Hour Air Conditioning & He | 3 | $475K | N/A |
| redbox+ | 3 | $1.6M | N/A |
| Dairy Queen | 2 | $513K | N/A |
| Saxbys Coffee | 2 | $201K | N/A |
| Tcby | 2 | $265K | N/A |
| Dickey's Barbeque | 2 | $140K | N/A |
| Once Upon A Child | 2 | $300K | N/A |
| Delta Disaster Services | 2 | $225K | N/A |
| KidStrong | 2 | $446K | N/A |
| Save-A-Lot Food Stores- Licens | 2 | $3.2M | N/A |
| Budget Blinds | 2 | $393K | N/A |
| The Back Nine | 2 | $442K | N/A |
| Slack's Hoagie Shack | 1 | $160K | N/A |
| Mike Schmidt's - Phila. Hoagie | 1 | $90K | N/A |
| Wild Bird Centers | 1 | $75K | N/A |
| Cindy's Cinnamon Rolls | 1 | $100K | N/A |
| Domino's Pizza | 1 | $135K | N/A |
| Subway Sandwich Shop | 1 | $87K | N/A |
| Driveway Impressions | 1 | $211K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1995 | 3 |
| FY1996 | 2 |
| FY1997 | 1 |
| FY2002 | 3 |
| FY2003 | 1 |
| FY2004 | 2 |
| FY2005 | 2 |
| FY2006 | 1 |
| FY2009 | 2 |
| FY2012 | 1 |
| FY2013 | 7 |
| FY2014 | 1 |
| FY2016 | 2 |
| FY2018 | 3 |
| FY2019 | 4 |
| FY2021 | 3 |
| FY2023 | 8 |
| FY2024 | 4 |
| FY2025 | 8 |
| FY2026 | 4 |
SBA 7(a) · charge-off rate by approval year
Univest Bank and Trust Co charge-off rate by loan vintage
None of these 4 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1995 | 3 | 0 | Too few |
| 2002 | 3 | 0 | Too few |
| 2013 | 7 | 3 | Too few |
| 2018 | 3 | 0 | Too few |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
Portfolio summary
Total funded$19.3M
Charged off4 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Univest Bank and Trust Co's rate of 11.4% is below the national rate.
- 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.