United Business Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by United Business Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 280 | $207.5M | $741K | 15.8% |
| 722511 | Full-Service Restaurants | 152 | $166.1M | $1.1M | 8.6% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 120 | $70.3M | $586K | 6.8% |
| 447110 | Gasoline Stations with Convenience Stores | 104 | $193.2M | $1.9M | 5.9% |
| 457110 | Other | 56 | $151.0M | $2.7M | 3.2% |
| 445310 | Beer, Wine, and Liquor Stores | 40 | $35.9M | $897K | 2.3% |
| 721110 | Hotels (except Casino Hotels) and Motels | 40 | $122.6M | $3.1M | 2.3% |
| 624410 | Child Day Care Services | 40 | $68.3M | $1.7M | 2.3% |
| 484121 | General Freight Trucking, Long Distance, Truckload | 32 | $59.9M | $1.9M | 1.8% |
| 441120 | Used Car Dealers | 32 | $19.3M | $603K | 1.8% |
Geographic Distribution
SBA lending activity for United Business Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 1,448 | $1.79B | 81.5% |
| Colorado (CO) | 80 | $117.4M | 4.5% |
| Nevada (NV) | 72 | $111.0M | 4.1% |
| Arizona (AZ) | 16 | $45.6M | 0.9% |
| North Carolina (NC) | 8 | $24.0M | 0.5% |
| Washington (WA) | 48 | $23.0M | 2.7% |
| Hawaii (HI) | 16 | $20.2M | 0.9% |
| Texas (TX) | 24 | $15.0M | 1.4% |
| Mississippi (MS) | 8 | $11.8M | 0.5% |
| New Mexico (NM) | 16 | $9.2M | 0.9% |
| Kansas (KS) | 8 | $4.4M | 0.5% |
| Arkansas (AR) | 8 | $3.1M | 0.5% |
| Alaska (AK) | 8 | $3.1M | 0.5% |
| Maryland (MD) | 8 | $2.8M | 0.5% |
| Pennsylvania (PA) | 8 | $2.7M | 0.5% |
Why Choose United Business Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 1,776 SBA loans approved, totaling $2.18B in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Full-Service Restaurants, Snack and Nonalcoholic Beverage Bars
- ✓Competitive Terms: Average interest rate of 6.02% with flexible term lengths averaging 213 months
- ✓Loan Range: Loan sizes from $80K to $5.0M, with an average of $1.2M
- ✓Nationwide Reach: Active lending in 15 states, with strong presence in CA, CO, NV
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 Business Bank SBA lending
What types of businesses does United Business Bank typically finance?
United Business Bank specializes in SBA 7(a) lending to specific industries including limited-service restaurants, full-service restaurants, snack and nonalcoholic beverage bars, gasoline stations with convenience stores. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are United Business Bank's typical SBA loan terms?
United Business Bank's SBA 7(a) loans typically feature an average interest rate of 6.02% and average term length of 213 months (approximately 18 years). Loan sizes range from $80K to $5.0M, with an average loan size of $1.2M.
Do I need a business valuation for a United Business Bank SBA loan?
Yes, United Business Bank 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 Business Bank compare to other SBA lenders?
United Business Bank has originated 1,776 SBA loans totaling $2.18B 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 Business Bank lend in?
United Business Bank provides SBA 7(a) financing with particularly strong presence in CA, CO, NV, WA, TX. 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.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Professional valuations are often required for SBA loans over $250,000.
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