United Business Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by United Business Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 721110 | Hotels (except Casino Hotels) and Motels | 183 | $277.1M | $1.5M | 7.4% |
| 722511 | Full-Service Restaurants | 90 | $70.3M | $781K | 3.6% |
| 722513 | Limited-Service Restaurants | 87 | $47.6M | $548K | 3.5% |
| 445110 | Supermarkets and Other Grocery Retailers (except Convenience Retailers) | 85 | $44.9M | $528K | 3.4% |
| 812320 | Drycleaning and Laundry Services (except Coin-Operated) | 82 | $23.2M | $283K | 3.3% |
| 812310 | Coin-Operated Laundries and Drycleaners | 58 | $73.2M | $1.3M | 2.3% |
| 811192 | Car Washes | 42 | $65.5M | $1.6M | 1.7% |
| 484110 | General Freight Trucking, Local | 31 | $31.9M | $1.0M | 1.2% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 30 | $15.0M | $499K | 1.2% |
| 621210 | Offices of Dentists | 27 | $16.9M | $626K | 1.1% |
Geographic Distribution
SBA lending activity for United Business Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 1,989 | $1.52B | 80.1% |
| Colorado (CO) | 216 | $87.3M | 8.7% |
| Washington (WA) | 80 | $75.2M | 3.2% |
| Arizona (AZ) | 19 | $22.5M | 0.8% |
| Nevada (NV) | 18 | $20.1M | 0.7% |
| Oregon (OR) | 13 | $15.7M | 0.5% |
| New Mexico (NM) | 69 | $14.3M | 2.8% |
| Texas (TX) | 12 | $12.0M | 0.5% |
| Virginia (VA) | 24 | $11.9M | 1.0% |
| Utah (UT) | 4 | $7.2M | 0.2% |
| District of Columbia (DC) | 9 | $5.6M | 0.4% |
| Georgia (GA) | 4 | $5.5M | 0.2% |
| North Carolina (NC) | 3 | $3.9M | 0.1% |
| Maryland (MD) | 10 | $3.6M | 0.4% |
| Hawaii (HI) | 2 | $2.5M | 0.1% |
| Kansas (KS) | 3 | $2.2M | 0.1% |
| Mississippi (MS) | 2 | $1.9M | 0.1% |
| Alaska (AK) | 3 | $940K | 0.1% |
| Tennessee (TN) | 1 | $490K | 0.0% |
| Arkansas (AR) | 1 | $390K | 0.0% |
| Pennsylvania (PA) | 1 | $338K | 0.0% |
| Oklahoma (OK) | 1 | $125K | 0.0% |
Why Choose United Business Bank?
Based on SBA 7(a) lending track record from 1991-2025
- ✓Proven Track Record: 2,484 SBA loans approved, totaling $1.82B in financing
- ✓Industry Expertise: Specialized focus on Hotels (except Casino Hotels) and Motels, Full-Service Restaurants, Limited-Service Restaurants
- ✓Competitive Terms: Average interest rate of 5.88% with flexible term lengths averaging 179 months
- ✓Loan Range: Loan sizes from $5K to $5.0M, with an average of $731K
- ✓Nationwide Reach: Active lending in 22 states, with strong presence in CA, CO, WA
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 hotels (except casino hotels) and motels, full-service restaurants, limited-service restaurants, supermarkets and other grocery retailers (except convenience retailers). 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 5.88% and average term length of 179 months (approximately 15 years). Loan sizes range from $5K to $5.0M, with an average loan size of $731K.
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 2,484 SBA loans totaling $1.82B 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 United Business Bank lend in?
United Business Bank provides SBA 7(a) financing with particularly strong presence in CA, CO, WA, NM, VA. 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?
Certified valuations are often required for SBA loans over $250,000.
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