United Pacific Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by United Pacific Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 721110 | Hotels (except Casino Hotels) and Motels | 23 | $63.6M | $2.8M | 17.4% |
| 722511 | Full-Service Restaurants | 10 | $9.9M | $994K | 7.6% |
| 424990 | Other Miscellaneous Nondurable Goods Merchant Wholesalers | 6 | $6.3M | $1.1M | 4.5% |
| 722513 | Limited-Service Restaurants | 5 | $4.6M | $916K | 3.8% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 5 | $4.5M | $906K | 3.8% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 3 | $1.0M | $346K | 2.3% |
| 623110 | Nursing Care Facilities (Skilled Nursing Facilities) | 3 | $7.7M | $2.6M | 2.3% |
| 621512 | Diagnostic Imaging Centers | 2 | $1.6M | $820K | 1.5% |
| 811192 | Car Washes | 2 | $4.0M | $2.0M | 1.5% |
| 621210 | Offices of Dentists | 2 | $1.2M | $576K | 1.5% |
Geographic Distribution
SBA lending activity for United Pacific Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 129 | $180.7M | 97.7% |
| Texas (TX) | 3 | $3.9M | 2.3% |
Why Choose United Pacific Bank?
Based on SBA 7(a) lending track record from 2001-2025
- ✓Proven Track Record: 132 SBA loans approved, totaling $184.6M in financing
- ✓Industry Expertise: Specialized focus on Hotels (except Casino Hotels) and Motels, Full-Service Restaurants, Other Miscellaneous Nondurable Goods Merchant Wholesalers
- ✓Competitive Terms: Average interest rate of 5.51% with flexible term lengths averaging 238 months
- ✓Loan Range: Loan sizes from $50K to $5.0M, with an average of $1.4M
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in CA, TX
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 Pacific Bank SBA lending
What types of businesses does United Pacific Bank typically finance?
United Pacific Bank specializes in SBA 7(a) lending to specific industries including hotels (except casino hotels) and motels, full-service restaurants, other miscellaneous nondurable goods merchant wholesalers, limited-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are United Pacific Bank's typical SBA loan terms?
United Pacific Bank's SBA 7(a) loans typically feature an average interest rate of 5.51% and average term length of 238 months (approximately 20 years). Loan sizes range from $50K to $5.0M, with an average loan size of $1.4M.
Do I need a business valuation for a United Pacific Bank SBA loan?
Yes, United Pacific 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 Pacific Bank compare to other SBA lenders?
United Pacific Bank has originated 132 SBA loans totaling $184.6M since 2001. 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 Pacific Bank lend in?
United Pacific Bank provides SBA 7(a) financing with particularly strong presence in CA, 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.
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