First United Bank and Trust Company
SBA 7(a) Lending Profile · FY 2026 analysis
Industry Focus
Top industries served by First United Bank and Trust Company
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 112 | $80.4M | $718K | 6.9% |
| 713940 | Fitness and Recreational Sports Centers | 96 | $53.3M | $556K | 5.9% |
| 722513 | Limited-Service Restaurants | 80 | $83.8M | $1.0M | 4.9% |
| 812910 | Pet Care (except Veterinary) Services | 48 | $40.5M | $844K | 3.0% |
| 811111 | General Automotive Repair | 48 | $43.3M | $902K | 3.0% |
| 713990 | All Other Amusement and Recreation Industries | 40 | $14.8M | $370K | 2.5% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 40 | $37.7M | $943K | 2.5% |
| 621340 | Offices of Physical, Occupational and Speech Therapists, and Audiologi | 40 | $32.6M | $816K | 2.5% |
| 621310 | Offices of Chiropractors | 32 | $22.5M | $704K | 2.0% |
| 624410 | Child Day Care Services | 32 | $53.3M | $1.7M | 2.0% |
Geographic Distribution
SBA lending activity for First United Bank and Trust Company by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 1,136 | $1.12B | 70.0% |
| Oklahoma (OK) | 464 | $322.1M | 28.6% |
| Florida (FL) | 16 | $28.4M | 1.0% |
| Tennessee (TN) | 8 | $6.8M | 0.5% |
Why Choose First United Bank and Trust Company?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 1,624 SBA loans approved, totaling $1.48B in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Fitness and Recreational Sports Centers, Limited-Service Restaurants
- ✓Competitive Terms: Average interest rate of 7.42% with flexible term lengths averaging 168 months
- ✓Loan Range: Loan sizes from $77K to $5.0M, with an average of $910K
- ✓Nationwide Reach: Active lending in 4 states, with strong presence in TX, OK, FL
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about First United Bank and Trust Company SBA lending
What types of businesses does First United Bank and Trust Company typically finance?
First United Bank and Trust Company specializes in SBA 7(a) lending to specific industries including full-service restaurants, fitness and recreational sports centers, limited-service restaurants, pet care (except veterinary) services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are First United Bank and Trust Company's typical SBA loan terms?
First United Bank and Trust Company's SBA 7(a) loans typically feature an average interest rate of 7.42% and average term length of 168 months (approximately 14 years). Loan sizes range from $77K to $5.0M, with an average loan size of $910K.
Do I need a business valuation for a First United Bank and Trust Company SBA loan?
Yes, First United Bank and Trust Company typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does First United Bank and Trust Company compare to other SBA lenders?
First United Bank and Trust Company has originated 1,624 SBA loans totaling $1.48B since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does First United Bank and Trust Company lend in?
First United Bank and Trust Company provides SBA 7(a) financing with particularly strong presence in TX, OK, FL, TN. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
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