United Pacific Bank
SBA 7(a) Lending Profile · FY 2022 analysis
Industry Focus
Top industries served by United Pacific Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 72 | $78.7M | $1.1M | 23.1% |
| 721110 | Hotels (except Casino Hotels) and Motels | 56 | $156.4M | $2.8M | 17.9% |
| 524210 | Insurance Agencies and Brokerages | 16 | $5.5M | $345K | 5.1% |
| 621512 | Diagnostic Imaging Centers | 16 | $13.1M | $820K | 5.1% |
| 621340 | Offices of Physical, Occupational and Speech Therapists, and Audiologi | 16 | $13.7M | $855K | 5.1% |
| 455219 | Other | 16 | $4.4M | $275K | 5.1% |
| 454110 | Electronic Shopping and Mail-Order Houses | 16 | $9.6M | $603K | 5.1% |
| 722513 | Limited-Service Restaurants | 16 | $4.0M | $250K | 5.1% |
| 332710 | Machine Shops | 8 | $960K | $120K | 2.6% |
| 424310 | Piece Goods, Notions, and Other Dry Goods Merchant Wholesalers | 8 | $16.0M | $2.0M | 2.6% |
Geographic Distribution
SBA lending activity for United Pacific Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 304 | $365.8M | 97.4% |
| Texas (TX) | 8 | $22.4M | 2.6% |
Why Choose United Pacific Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 312 SBA loans approved, totaling $388.2M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Hotels (except Casino Hotels) and Motels, Insurance Agencies and Brokerages
- ✓Competitive Terms: Average interest rate of 6.07% with flexible term lengths averaging 230 months
- ✓Loan Range: Loan sizes from $50K to $5.0M, with an average of $1.2M
- ✓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 full-service restaurants, hotels (except casino hotels) and motels, insurance agencies and brokerages, diagnostic imaging centers. 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 6.07% and average term length of 230 months (approximately 19 years). Loan sizes range from $50K to $5.0M, with an average loan size of $1.2M.
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 312 SBA loans totaling $388.2M 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 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.
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