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SBA 7(a) franchise lending portfolio
Uwharrie Bank
CRITICAL risk
- Total loans
- 17
- Loan volume
- $8.2M
- Avg loan size
- $482K
- Default rate
- 27.3%
- vs 15.4% national avg
Defaults
3
Avg interest
6.71%
Franchises funded
15
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Gold's Gym | 2 | $576K | 0.0% |
| D1T raining | 2 | $1.3M | 0.0% |
| Quiznos | 1 | $87K | 0.0% |
| Sylvan Learning Center | 1 | $150K | 0.0% |
| Primrose School (daycare) | 1 | $40K | 0.0% |
| The Lash Lounge | 1 | $274K | — |
| Clean Juice | 1 | $372K | 100.0% |
| CertaPro Painters | 1 | $655K | 0.0% |
| Zaxby's | 1 | $320K | 0.0% |
| LSAA, LLC - Complete Contract | 1 | $1.8M | — |
| RockBox Fitness | 1 | $216K | — |
| The Exercise Coach | 1 | $176K | — |
| Pirtek | 1 | $200K | 100.0% |
| Spavia | 1 | $536K | — |
| Launch Trampoline Park | 1 | $1.5M | 100.0% |
Lending volume by year
1'03
1'04
2'07
1'08
1'15
1'18
3'19
6'20
1'22
Geographic exposure
Portfolio summary
Total funded$8.2M
Defaults3 of 17
Risk tierCRITICAL
Avg rate6.71%
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%).