United Bank of Philadelphia
SBA 7(a) Lending Profile · FY 2026 analysis
Industry Focus
Top industries served by United Bank of Philadelphia
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 524210 | Insurance Agencies and Brokerages | 184 | $59.4M | $323K | 59.0% |
| 621610 | Home Health Care Services | 16 | $4.8M | $301K | 5.1% |
| 624410 | Child Day Care Services | 16 | $10.1M | $633K | 5.1% |
| 812112 | Beauty Salons | 8 | $6.7M | $833K | 2.6% |
| 522390 | Other Activities Related to Credit Intermediation | 8 | $1.2M | $150K | 2.6% |
| 456120 | Other | 8 | $1.2M | $150K | 2.6% |
| 812210 | Funeral Homes and Funeral Services | 8 | $5.6M | $703K | 2.6% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 8 | $2.8M | $350K | 2.6% |
| 531210 | Offices of Real Estate Agents and Brokers | 8 | $1.4M | $175K | 2.6% |
| 531390 | Other Activities Related to Real Estate | 8 | $3.6M | $450K | 2.6% |
Geographic Distribution
SBA lending activity for United Bank of Philadelphia by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Pennsylvania (PA) | 112 | $52.4M | 35.9% |
| New York (NY) | 24 | $17.2M | 7.7% |
| Washington (WA) | 40 | $16.6M | 12.8% |
| South Carolina (SC) | 8 | $6.2M | 2.6% |
| Florida (FL) | 16 | $3.8M | 5.1% |
| Colorado (CO) | 8 | $3.1M | 2.6% |
| Nevada (NV) | 16 | $2.5M | 5.1% |
| Mississippi (MS) | 8 | $2.2M | 2.6% |
| Georgia (GA) | 8 | $2.1M | 2.6% |
| Louisiana (LA) | 16 | $2.0M | 5.1% |
| Arizona (AZ) | 16 | $1.6M | 5.1% |
| Oklahoma (OK) | 8 | $1.5M | 2.6% |
| Delaware (DE) | 8 | $1.4M | 2.6% |
| Oregon (OR) | 8 | $1.4M | 2.6% |
| Ohio (OH) | 8 | $1.2M | 2.6% |
| Indiana (IN) | 8 | $800K | 2.6% |
Why Choose United Bank of Philadelphia?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 312 SBA loans approved, totaling $116.0M in financing
- ✓Industry Expertise: Specialized focus on Insurance Agencies and Brokerages, Home Health Care Services, Child Day Care Services
- ✓Competitive Terms: Average interest rate of 6.65% with flexible term lengths averaging 161 months
- ✓Loan Range: Loan sizes from $100K to $1.1M, with an average of $372K
- ✓Nationwide Reach: Active lending in 16 states, with strong presence in PA, WA, NY
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 United Bank of Philadelphia SBA lending
What types of businesses does United Bank of Philadelphia typically finance?
United Bank of Philadelphia specializes in SBA 7(a) lending to specific industries including insurance agencies and brokerages, home health care services, child day care services, beauty salons. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are United Bank of Philadelphia's typical SBA loan terms?
United Bank of Philadelphia's SBA 7(a) loans typically feature an average interest rate of 6.65% and average term length of 161 months (approximately 13 years). Loan sizes range from $100K to $1.1M, with an average loan size of $372K.
Do I need a business valuation for a United Bank of Philadelphia SBA loan?
Yes, United Bank of Philadelphia 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 United Bank of Philadelphia compare to other SBA lenders?
United Bank of Philadelphia has originated 312 SBA loans totaling $116.0M 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 United Bank of Philadelphia lend in?
United Bank of Philadelphia provides SBA 7(a) financing with particularly strong presence in PA, WA, NY, AZ, FL. 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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