Union Bank and Trust Company
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Union Bank and Trust Company · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 713940 | Fitness and Recreational Sports Centers | 25 | $3.3M | $132K | 2.7% |
| 621310 | Offices of Chiropractors | 23 | $2.4M | $103K | 2.5% |
| 722511 | Full-Service Restaurants | 21 | $4.5M | $215K | 2.3% |
| 541940 | Veterinary Services | 20 | $3.0M | $148K | 2.2% |
| 722513 | Limited-Service Restaurants | 19 | $10.0M | $526K | 2.1% |
| 561730 | Landscaping Services | 19 | $4.4M | $233K | 2.1% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 19 | $9.8M | $517K | 2.1% |
| 445291 | Baked Goods Retailers | 15 | $4.8M | $317K | 1.6% |
| 624410 | Child Care Services | 13 | $2.3M | $179K | 1.4% |
| 238990 | All Other Specialty Trade Contractors | 13 | $5.1M | $394K | 1.4% |
Geographic Distribution
SBA lending activity for Union Bank and Trust Company by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Nebraska (NE) | 809 | $197.3M | 88.7% |
| Minnesota (MN) | 27 | $12.2M | 3.0% |
| Missouri (MO) | 11 | $8.4M | 1.2% |
| Colorado (CO) | 8 | $5.8M | 0.9% |
| Iowa (IA) | 13 | $3.8M | 1.4% |
| Kansas (KS) | 19 | $3.8M | 2.1% |
| Texas (TX) | 4 | $2.5M | 0.4% |
| Massachusetts (MA) | 1 | $2.3M | 0.1% |
| Arizona (AZ) | 5 | $1.7M | 0.5% |
| Florida (FL) | 2 | $1.7M | 0.2% |
| North Carolina (NC) | 1 | $500K | 0.1% |
| Arkansas (AR) | 2 | $350K | 0.2% |
| Oklahoma (OK) | 1 | $210K | 0.1% |
| New York (NY) | 2 | $185K | 0.2% |
| Kentucky (KY) | 1 | $140K | 0.1% |
| Tennessee (TN) | 2 | $120K | 0.2% |
| Wisconsin (WI) | 1 | $100K | 0.1% |
| South Dakota (SD) | 1 | $100K | 0.1% |
| Oregon (OR) | 1 | $100K | 0.1% |
| Mississippi (MS) | 1 | $65K | 0.1% |
Why Choose Union Bank and Trust Company?
Based on SBA 7(a) lending track record from 1991-2025
- ✓Proven Track Record: 912 SBA loans approved, totaling $241.5M in financing
- ✓Industry Expertise: Specialized focus on Fitness and Recreational Sports Centers, Offices of Chiropractors, Full-Service Restaurants
- ✓Competitive Terms: Average interest rate of 6.29% with flexible term lengths averaging 98 months
- ✓Loan Range: Loan sizes from $5K to $5.0M, with an average of $265K
- ✓Nationwide Reach: Active lending in 20 states, with strong presence in NE, MN, KS
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 Union Bank and Trust Company SBA lending
What types of businesses does Union Bank and Trust Company typically finance?
Union Bank and Trust Company specializes in SBA 7(a) lending to specific industries including fitness and recreational sports centers, offices of chiropractors, full-service restaurants, veterinary services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Union Bank and Trust Company's typical SBA loan terms?
Union Bank and Trust Company's SBA 7(a) loans typically feature an average interest rate of 6.29% and average term length of 98 months (approximately 8 years). Loan sizes range from $5K to $5.0M, with an average loan size of $265K.
Do I need a business valuation for a Union Bank and Trust Company SBA loan?
Yes, Union 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 Union Bank and Trust Company compare to other SBA lenders?
Union Bank and Trust Company has originated 912 SBA loans totaling $241.5M since 1991. 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 Union Bank and Trust Company lend in?
Union Bank and Trust Company provides SBA 7(a) financing with particularly strong presence in NE, MN, KS, IA, MO. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
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