Union Bank and Trust Company
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Union Bank and Trust Company
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722515 | Snack and Nonalcoholic Beverage Bars | 128 | $77.3M | $604K | 5.2% |
| 722511 | Full-Service Restaurants | 112 | $19.7M | $176K | 4.6% |
| 238990 | All Other Specialty Trade Contractors | 88 | $39.7M | $451K | 3.6% |
| 445291 | Baked Goods Stores | 72 | $35.1M | $487K | 2.9% |
| 713940 | Fitness and Recreational Sports Centers | 64 | $14.2M | $222K | 2.6% |
| 722513 | Limited-Service Restaurants | 64 | $57.3M | $895K | 2.6% |
| 621610 | Home Health Care Services | 56 | $51.4M | $918K | 2.3% |
| 236118 | Residential Remodelers | 48 | $11.2M | $233K | 2.0% |
| 611620 | Sports and Recreation Instruction | 48 | $13.0M | $272K | 2.0% |
| 611699 | All Other Miscellaneous Schools and Instruction | 40 | $4.4M | $111K | 1.6% |
Geographic Distribution
SBA lending activity for Union Bank and Trust Company by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Nebraska (NE) | 2,072 | $800.5M | 84.6% |
| Minnesota (MN) | 48 | $51.8M | 2.0% |
| Missouri (MO) | 64 | $45.5M | 2.6% |
| Colorado (CO) | 56 | $45.3M | 2.3% |
| Iowa (IA) | 64 | $19.6M | 2.6% |
| Massachusetts (MA) | 8 | $18.2M | 0.3% |
| Florida (FL) | 16 | $13.6M | 0.7% |
| Arizona (AZ) | 24 | $12.5M | 1.0% |
| Kansas (KS) | 40 | $12.3M | 1.6% |
| Texas (TX) | 16 | $11.3M | 0.7% |
| North Carolina (NC) | 8 | $4.0M | 0.3% |
| Arkansas (AR) | 16 | $2.8M | 0.7% |
| Tennessee (TN) | 16 | $960K | 0.7% |
Why Choose Union Bank and Trust Company?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 2,448 SBA loans approved, totaling $1.04B in financing
- ✓Industry Expertise: Specialized focus on Snack and Nonalcoholic Beverage Bars, Full-Service Restaurants, All Other Specialty Trade Contractors
- ✓Competitive Terms: Average interest rate of 7.14% with flexible term lengths averaging 126 months
- ✓Loan Range: Loan sizes from $8K to $5.0M, with an average of $424K
- ✓Nationwide Reach: Active lending in 13 states, with strong presence in NE, MO, IA
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 snack and nonalcoholic beverage bars, full-service restaurants, all other specialty trade contractors, baked goods stores. 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 7.14% and average term length of 126 months (approximately 11 years). Loan sizes range from $8K to $5.0M, with an average loan size of $424K.
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 2,448 SBA loans totaling $1.04B 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 Union Bank and Trust Company lend in?
Union Bank and Trust Company provides SBA 7(a) financing with particularly strong presence in NE, MO, IA, CO, MN. 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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