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SBA 7(a) franchise lending portfolio
Urban Partnership Bank
AVERAGE risk
- Total loans
- 44
- Loan volume
- $6.2M
- Avg loan size
- $141K
- Default rate
- 11.4%
- vs 15.4% national avg
Defaults
5
Avg interest
—
Franchises funded
17
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 12 | $1.8M | 0.0% |
| Chicago's Pizza Of Greenfield | 6 | $640K | 50.0% |
| Elliott's Off-Broadway Deli | 5 | $251K | 0.0% |
| Quiznos | 3 | $425K | 66.7% |
| All Tune And Lube | 2 | $166K | 0.0% |
| Donatos Pizza | 2 | $364K | 0.0% |
| Rosati's Pizza | 2 | $300K | 0.0% |
| Marathon Oil Company | 2 | $260K | 0.0% |
| Citgo Service Station | 2 | $300K | 0.0% |
| Taco Maker | 1 | $1.0M | 0.0% |
| Fantastic Sam's | 1 | $90K | 0.0% |
| Dairy Queen | 1 | $100K | 0.0% |
| Milex | 1 | $74K | 0.0% |
| Sir Speedy Printing Center | 1 | $110K | 0.0% |
| Dunkin Donuts | 1 | $100K | 0.0% |
| Frullati Cafe | 1 | $90K | 0.0% |
| Papa Romano's | 1 | $145K | 0.0% |
Lending volume by year
1'92
2'93
1'96
4'97
2'98
1'01
14'02
12'03
3'04
4'05
Urban Partnership Bank default rate by loan vintage
BrandNational avg
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%).