United Community Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by United Community Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 864 | $661.8M | $766K | 9.1% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 824 | $489.3M | $594K | 8.7% |
| 621210 | Offices of Dentists | 712 | $979.6M | $1.4M | 7.5% |
| 561431 | Private Mail Centers | 448 | $189.0M | $422K | 4.7% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 432 | $407.1M | $942K | 4.6% |
| 713940 | Fitness and Recreational Sports Centers | 416 | $209.5M | $504K | 4.4% |
| 541940 | Veterinary Services | 400 | $587.2M | $1.5M | 4.2% |
| 722511 | Full-Service Restaurants | 368 | $357.3M | $971K | 3.9% |
| 722410 | Drinking Places (Alcoholic Beverages) | 288 | $177.3M | $616K | 3.0% |
| 812910 | Pet Care (except Veterinary) Services | 248 | $117.5M | $474K | 2.6% |
Geographic Distribution
SBA lending activity for United Community Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Florida (FL) | 1,368 | $1.34B | 14.5% |
| Georgia (GA) | 1,584 | $1.29B | 16.7% |
| North Carolina (NC) | 1,080 | $863.4M | 11.4% |
| Texas (TX) | 992 | $859.9M | 10.5% |
| South Carolina (SC) | 736 | $637.4M | 7.8% |
| Tennessee (TN) | 352 | $363.3M | 3.7% |
| California (CA) | 296 | $265.1M | 3.1% |
| Alabama (AL) | 328 | $225.8M | 3.5% |
| Colorado (CO) | 240 | $183.1M | 2.5% |
| New York (NY) | 176 | $175.8M | 1.9% |
| Ohio (OH) | 128 | $142.9M | 1.4% |
| Pennsylvania (PA) | 144 | $126.8M | 1.5% |
| Arizona (AZ) | 176 | $121.4M | 1.9% |
| Illinois (IL) | 336 | $118.5M | 3.6% |
| Indiana (IN) | 80 | $85.7M | 0.8% |
| Virginia (VA) | 128 | $83.6M | 1.4% |
| Washington (WA) | 80 | $80.8M | 0.8% |
| Missouri (MO) | 152 | $80.7M | 1.6% |
| Maryland (MD) | 72 | $73.5M | 0.8% |
| Idaho (ID) | 48 | $68.0M | 0.5% |
| Wisconsin (WI) | 40 | $56.7M | 0.4% |
| Connecticut (CT) | 64 | $52.1M | 0.7% |
| Kansas (KS) | 64 | $45.8M | 0.7% |
| New Jersey (NJ) | 104 | $43.9M | 1.1% |
| Mississippi (MS) | 24 | $40.7M | 0.3% |
| Oregon (OR) | 48 | $36.1M | 0.5% |
| Iowa (IA) | 64 | $35.2M | 0.7% |
| Michigan (MI) | 72 | $33.5M | 0.8% |
| Minnesota (MN) | 192 | $28.3M | 2.0% |
| Montana (MT) | 32 | $18.6M | 0.3% |
| Massachusetts (MA) | 56 | $18.4M | 0.6% |
| Oklahoma (OK) | 32 | $16.2M | 0.3% |
| North Dakota (ND) | 16 | $13.7M | 0.2% |
| Nevada (NV) | 48 | $13.1M | 0.5% |
| Nebraska (NE) | 8 | $12.8M | 0.1% |
| Utah (UT) | 16 | $10.0M | 0.2% |
| Delaware (DE) | 32 | $8.4M | 0.3% |
| Arkansas (AR) | 24 | $8.3M | 0.3% |
| Maine (ME) | 8 | $6.1M | 0.1% |
| District of Columbia (DC) | 8 | $3.9M | 0.1% |
| Louisiana (LA) | 8 | $2.9M | 0.1% |
| New Hampshire (NH) | 8 | $2.8M | 0.1% |
Why Choose United Community Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 9,464 SBA loans approved, totaling $7.70B in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Snack and Nonalcoholic Beverage Bars, Offices of Dentists
- ✓Competitive Terms: Average interest rate of 7.48% with flexible term lengths averaging 157 months
- ✓Loan Range: Loan sizes from $8K to $5.0M, with an average of $813K
- ✓Nationwide Reach: Active lending in 42 states, with strong presence in GA, FL, NC
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 Community Bank SBA lending
What types of businesses does United Community Bank typically finance?
United Community Bank specializes in SBA 7(a) lending to specific industries including limited-service restaurants, snack and nonalcoholic beverage bars, offices of dentists, private mail centers. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are United Community Bank's typical SBA loan terms?
United Community Bank's SBA 7(a) loans typically feature an average interest rate of 7.48% and average term length of 157 months (approximately 13 years). Loan sizes range from $8K to $5.0M, with an average loan size of $813K.
Do I need a business valuation for a United Community Bank SBA loan?
Yes, United Community 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 Community Bank compare to other SBA lenders?
United Community Bank has originated 9,464 SBA loans totaling $7.70B 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 Community Bank lend in?
United Community Bank provides SBA 7(a) financing with particularly strong presence in GA, FL, NC, TX, SC. 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.
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Professional valuations are often required for SBA loans over $250,000.
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