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SBA 7(a) franchise lending portfolio
Urban Partnership Bank
Risk rating: Average
- Total loans
- 44
- Loan volume
- $6.2M
- Avg loan size
- $141K
- Charge-off rate
- 11.4%
- vs 16.0% national
Charged off
5
Avg interest
N/A
Franchises funded
17
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 12 | $1.8M | 0.0% (excellent) |
| Chicago's Pizza Of Greenfield | 6 | $640K | N/A |
| Elliott's Off-Broadway Deli | 5 | $251K | N/A |
| Quiznos | 3 | $425K | N/A |
| All Tune And Lube | 2 | $166K | N/A |
| Donatos Pizza | 2 | $364K | N/A |
| Rosati's Pizza | 2 | $300K | N/A |
| Marathon Oil Company | 2 | $260K | N/A |
| Citgo Service Station | 2 | $300K | N/A |
| Taco Maker | 1 | $1.0M | N/A |
| Fantastic Sam's | 1 | $90K | N/A |
| Dairy Queen | 1 | $100K | N/A |
| Milex | 1 | $74K | N/A |
| Sir Speedy Printing Center | 1 | $110K | N/A |
| Dunkin Donuts | 1 | $100K | N/A |
| Frullati Cafe | 1 | $90K | N/A |
| Papa Romano's | 1 | $145K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 1 |
| FY1993 | 2 |
| FY1996 | 1 |
| FY1997 | 4 |
| FY1998 | 2 |
| FY2001 | 1 |
| FY2002 | 14 |
| FY2003 | 12 |
| FY2004 | 3 |
| FY2005 | 4 |
SBA 7(a) · charge-off rate by approval year
Urban Partnership Bank: 3 of the 4 charge-offs in the rated years came from 2002 loans
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1997 | 4 | 0 | Too few |
| 2002 | 14 | 3 | 21.4% |
| 2003 | 12 | 1 | 8.3% |
| 2004 | 3 | 1 | Too few |
| 2005 | 4 | 0 | Too few |
Dashed line: all franchise 7(a) loans approved the same year.
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.
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 Urban Partnership Bank originated?
- 44 loans totaling $6.2M. 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. Urban Partnership Bank'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 Urban Partnership Bank fund the most?
- The “Top franchise exposures” table above lists the brands Urban Partnership Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.