United Prairie Bank
SBA 7(a) Lending Profile · FY 2026 analysis
Industry Focus
Top industries served by United Prairie Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 447110 | Gasoline Stations with Convenience Stores | 72 | $29.5M | $409K | 8.3% |
| 484110 | General Freight Trucking, Local | 48 | $31.0M | $646K | 5.6% |
| 445310 | Beer, Wine, and Liquor Stores | 40 | $17.6M | $439K | 4.6% |
| 115210 | Support Activities for Animal Production | 40 | $12.5M | $313K | 4.6% |
| 484230 | Specialized Freight (except Used Goods) Trucking, Long-Distance | 40 | $14.1M | $353K | 4.6% |
| 484220 | Specialized Freight (except Used Goods) Trucking, Local | 32 | $3.8M | $118K | 3.7% |
| 562119 | Other Waste Collection | 32 | $9.3M | $289K | 3.7% |
| 444220 | Nursery and Garden Centers | 24 | $5.7M | $237K | 2.8% |
| 722511 | Full-Service Restaurants | 24 | $2.6M | $107K | 2.8% |
| 812310 | Coin-Operated Laundries and Drycleaners | 24 | $13.7M | $571K | 2.8% |
Geographic Distribution
SBA lending activity for United Prairie Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Minnesota (MN) | 832 | $268.4M | 96.3% |
| Mississippi (MS) | 8 | $16.0M | 0.9% |
| South Dakota (SD) | 16 | $5.7M | 1.9% |
| Missouri (MO) | 8 | $5.7M | 0.9% |
Why Choose United Prairie Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 864 SBA loans approved, totaling $295.8M in financing
- ✓Industry Expertise: Specialized focus on Gasoline Stations with Convenience Stores, General Freight Trucking, Local, Beer, Wine, and Liquor Stores
- ✓Competitive Terms: Average interest rate of 4.77% with flexible term lengths averaging 118 months
- ✓Loan Range: Loan sizes from $10K to $2.0M, with an average of $342K
- ✓Nationwide Reach: Active lending in 4 states, with strong presence in MN, SD, MS
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 Prairie Bank SBA lending
What types of businesses does United Prairie Bank typically finance?
United Prairie Bank specializes in SBA 7(a) lending to specific industries including gasoline stations with convenience stores, general freight trucking, local, beer, wine, and liquor stores, support activities for animal production. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are United Prairie Bank's typical SBA loan terms?
United Prairie Bank's SBA 7(a) loans typically feature an average interest rate of 4.77% and average term length of 118 months (approximately 10 years). Loan sizes range from $10K to $2.0M, with an average loan size of $342K.
Do I need a business valuation for a United Prairie Bank SBA loan?
Yes, United Prairie 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 Prairie Bank compare to other SBA lenders?
United Prairie Bank has originated 864 SBA loans totaling $295.8M 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 Prairie Bank lend in?
United Prairie Bank provides SBA 7(a) financing with particularly strong presence in MN, SD, MS, MO. 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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