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SBA 7(a) franchise lending portfolio
Univest Bank and Trust Co
AVERAGE risk
- Total loans
- 62
- Loan volume
- $19.3M
- Avg loan size
- $311K
- Default 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% |
| One Hour Air Conditioning & He | 3 | $475K | — |
| redbox+ | 3 | $1.6M | — |
| Dairy Queen | 2 | $513K | 0.0% |
| Saxbys Coffee | 2 | $201K | 0.0% |
| Tcby | 2 | $265K | 0.0% |
| Dickey's Barbeque | 2 | $140K | 0.0% |
| Once Upon A Child | 2 | $300K | 0.0% |
| Delta Disaster Services | 2 | $225K | 100.0% |
| KidStrong | 2 | $446K | — |
| Save-A-Lot Food Stores- Licens | 2 | $3.2M | 0.0% |
| Budget Blinds | 2 | $393K | — |
| The Back Nine | 2 | $442K | — |
| Slack's Hoagie Shack | 1 | $160K | 0.0% |
| Mike Schmidt's - Phila. Hoagie | 1 | $90K | 0.0% |
| Wild Bird Centers | 1 | $75K | 0.0% |
| Cindy's Cinnamon Rolls | 1 | $100K | 100.0% |
| Domino's Pizza | 1 | $135K | 0.0% |
| Subway Sandwich Shop | 1 | $87K | 0.0% |
| Driveway Impressions | 1 | $211K | 0.0% |
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 default 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
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%).