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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
- Charge-off rate
- 11.4%
- vs 15.4% national avg
Defaults
5
Avg interest
N/A
Franchises funded
17
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 12 | $1.8M | 0.0% (low risk) |
| Chicago's Pizza Of Greenfield | 6 | $640K | 50.0% (very high risk) |
| Elliott's Off-Broadway Deli | 5 | $251K | 0.0% (low risk) |
| Quiznos | 3 | $425K | 66.7% (very high risk) |
| All Tune And Lube | 2 | $166K | 0.0% (low risk) |
| Donatos Pizza | 2 | $364K | 0.0% (low risk) |
| Rosati's Pizza | 2 | $300K | 0.0% (low risk) |
| Marathon Oil Company | 2 | $260K | 0.0% (low risk) |
| Citgo Service Station | 2 | $300K | 0.0% (low risk) |
| Taco Maker | 1 | $1.0M | 0.0% (low risk) |
| Fantastic Sam's | 1 | $90K | 0.0% (low risk) |
| Dairy Queen | 1 | $100K | 0.0% (low risk) |
| Milex | 1 | $74K | 0.0% (low risk) |
| Sir Speedy Printing Center | 1 | $110K | 0.0% (low risk) |
| Dunkin Donuts | 1 | $100K | 0.0% (low risk) |
| Frullati Cafe | 1 | $90K | 0.0% (low risk) |
| Papa Romano's | 1 | $145K | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
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). 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 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.