GOOD
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
STRONG
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
1,900
2010–2026
Total Volume
$2.0B
Gross loan amounts
States Active
48
With recorded loans
Programs
7(a) & 504
1900 total segments
BankUnited has a strong focus on existing businesses, with 55% of their deals serving this purpose. This makes them a solid choice for established companies looking to expand or refinance.
With an average 7(a) spread of P+2.32%, BankUnited offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
Despite a diverse portfolio, BankUnited's growth trend shows a decline of 26% year-over-year in deal volume. This may indicate a tightening of lending conditions, so be prepared for a potentially more rigorous approval process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 220 504 loans, which use fixed SBA debenture rates.
Top 15 of 48 states where BankUnited, National Association has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Hotels & Accommodation
Accommodation & Food Services
Wholesale Trade
Wholesale Trade
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Administrative & Waste Services
Administrative & Waste Services
Gas Stations
Retail Trade
Physician & Dental Offices
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for BankUnited, National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Florida · Wholesale Trade · Under $150K | 7(a) | 33 | P+2.50% | $93K | Q1 2025 |
| Texas · Gas Stations · $1M – $2M | 7(a) | 29 | P+2.25% | $1.4M | Q2 2019 |
| Florida · Administrative & Waste Services · Under $150K | 7(a) | 25 | P+2.75% | $70K | Q3 2018 |
| Florida · Specialty Trade Contractors · Under $150K | 7(a) | 23 | P+3.00% | $71K | Q4 2025 |
| Florida · Wholesale Trade · $150K – $350K | 7(a) | 22 | P+2.50% | $285K | Q1 2024 |
| Florida · Manufacturing · Under $150K | 7(a) | 21 | P+2.70% | $83K | Q1 2025 |
| Florida · Physician & Dental Offices · Under $150K | 7(a) | 17 | P+2.50% | $71K | Q2 2017 |
| Florida · Physician & Dental Offices · $150K – $350K | 7(a) | 16 | P+2.75% | $274K | Q2 2024 |
| Florida · Specialty Trade Contractors · $150K – $350K | 7(a) | 15 | P+2.50% | $237K | Q1 2025 |
| Florida · Hotels & Accommodation · $2M – $5M | 7(a) | 15 | P+2.25% | $3.1M | Q2 2018 |
| Florida · Administrative & Waste Services · $150K – $350K | 7(a) | 15 | P+2.25% | $271K | Q3 2025 |
| Florida · Social Assistance · $500K – $1M | 7(a) | 13 | P+2.50% | $731K | Q2 2024 |
| Florida · Specialty Trade Contractors · $1M – $2M | 7(a) | 12 | P+1.38% | $1.4M | Q4 2025 |
| Florida · Wholesale Trade · $1M – $2M | 7(a) | 12 | P+1.75% | $1.4M | Q1 2024 |
| Florida · Specialty Trade Contractors · $500K – $1M | 7(a) | 12 | P+2.25% | $739K | Q3 2025 |
| Florida · Other Health Practitioners · Under $150K | 7(a) | 11 | P+2.75% | $89K | Q3 2025 |
| Florida · Manufacturing · $150K – $350K | 7(a) | 11 | P+2.75% | $267K | Q4 2024 |
| Florida · Social Assistance · $1M – $2M | 7(a) | 11 | P+2.50% | $1.6M | Q3 2024 |
| Florida · Administrative & Waste Services · $1M – $2M | 7(a) | 11 | P+2.75% | $1.2M | Q2 2025 |
| Florida · Other Health Practitioners · $150K – $350K | 7(a) | 10 | P+2.13% | $234K | Q3 2025 |
| Florida · Restaurants & Food Service · $1M – $2M | 7(a) | 10 | P+2.25% | $1.4M | Q3 2025 |
| North Carolina · Hotels & Accommodation · $2M – $5M | 7(a) | 9 | P+2.25% | $3.6M | Q4 2016 |
| Virginia · Hotels & Accommodation · $1M – $2M | 7(a) | 9 | P+2.25% | $1.7M | Q1 2016 |
| North Carolina · Restaurants & Food Service · $500K – $1M | 7(a) | 9 | P+2.75% | $594K | Q3 2018 |
| Florida · Administrative & Waste Services · $500K – $1M | 7(a) | 9 | P+2.25% | $657K | Q1 2024 |
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Real experiences from borrowers who closed SBA loans with BankUnited, National Association.
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