Univest Bank and Trust Co
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by Univest Bank and Trust Co
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 112 | $66.1M | $590K | 5.8% |
| 722511 | Full-Service Restaurants | 104 | $103.3M | $993K | 5.4% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 104 | $102.3M | $984K | 5.4% |
| 713940 | Fitness and Recreational Sports Centers | 80 | $33.4M | $418K | 4.2% |
| 541330 | Engineering Services | 64 | $45.1M | $705K | 3.3% |
| 812910 | Pet Care (except Veterinary) Services | 48 | $26.1M | $543K | 2.5% |
| 238210 | Electrical Contractors | 48 | $54.1M | $1.1M | 2.5% |
| 713910 | Golf Courses and Country Clubs | 48 | $20.2M | $420K | 2.5% |
| 445291 | Baked Goods Stores | 40 | $10.8M | $270K | 2.1% |
| 312120 | Breweries | 40 | $17.7M | $442K | 2.1% |
Geographic Distribution
SBA lending activity for Univest Bank and Trust Co by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Pennsylvania (PA) | 1,408 | $1.00B | 73.3% |
| New Jersey (NJ) | 224 | $213.2M | 11.7% |
| Maryland (MD) | 232 | $158.9M | 12.1% |
| Delaware (DE) | 56 | $53.8M | 2.9% |
Why Choose Univest Bank and Trust Co?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 1,920 SBA loans approved, totaling $1.43B in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Full-Service Restaurants, Plumbing, Heating, and Air-Conditioning Contractors
- ✓Competitive Terms: Average interest rate of 9.19% with flexible term lengths averaging 152 months
- ✓Loan Range: Loan sizes from $10K to $5.0M, with an average of $744K
- ✓Nationwide Reach: Active lending in 4 states, with strong presence in PA, MD, NJ
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 Univest Bank and Trust Co SBA lending
What types of businesses does Univest Bank and Trust Co typically finance?
Univest Bank and Trust Co specializes in SBA 7(a) lending to specific industries including limited-service restaurants, full-service restaurants, plumbing, heating, and air-conditioning contractors, fitness and recreational sports centers. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Univest Bank and Trust Co's typical SBA loan terms?
Univest Bank and Trust Co's SBA 7(a) loans typically feature an average interest rate of 9.19% and average term length of 152 months (approximately 13 years). Loan sizes range from $10K to $5.0M, with an average loan size of $744K.
Do I need a business valuation for a Univest Bank and Trust Co SBA loan?
Yes, Univest Bank and Trust Co 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 Univest Bank and Trust Co compare to other SBA lenders?
Univest Bank and Trust Co has originated 1,920 SBA loans totaling $1.43B 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 Univest Bank and Trust Co lend in?
Univest Bank and Trust Co provides SBA 7(a) financing with particularly strong presence in PA, MD, NJ, DE. 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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