STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
GOOD
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
507
2010–2023
Total Volume
$502M
Gross loan amounts
States Active
30
With recorded loans
Programs
7(a) & 504
507 total segments
UniBank has a strong focus on the restaurant and food service industry, with 108 deals in this sector, which is 21% of their total SBA deals. This specialization can be beneficial for borrowers in this field seeking tailored advice and support.
With an average 7(a) spread of P+2.10%, UniBank offers competitive pricing compared to the national median of ~P+2.75%. This can lead to significant savings over the life of the loan for borrowers.
UniBank's growth trend shows a significant decline of 79% year-over-year, with only 6 deals in the last quarter compared to 29 in the previous year. This could indicate a tighter approval process or reduced lending capacity, which may affect new applicants.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 4 504 loans, which use fixed SBA debenture rates.
Top 15 of 30 states where UniBank 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
Gas Stations
Retail Trade
Miscellaneous Retail
Retail Trade
Hotels & Accommodation
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
Mining & Oil/Gas
Mining & Oil/Gas
Laundry & Dry Cleaning
Other Services
Physician & Dental Offices
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for UniBank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Washington · Restaurants & Food Service · $150K – $350K | 7(a) | 41 | P+2.00% | $242K | Q3 2022 |
| Washington · Gas Stations · $1M – $2M | 7(a) | 37 | P+1.50% | $1.4M | Q3 2021 |
| Washington · Restaurants & Food Service · Under $150K | 7(a) | 34 | P+2.00% | $101K | Q4 2021 |
| Washington · Gas Stations · $500K – $1M | 7(a) | 27 | P+2.00% | $745K | Q3 2021 |
| Washington · Hotels & Accommodation · $2M – $5M | 7(a) | 27 | P+1.13% | $3.4M | Q2 2022 |
| Washington · Food & Beverage Stores · $150K – $350K | 7(a) | 20 | P+1.50% | $268K | Q2 2023 |
| Washington · Gas Stations · $2M – $5M | 7(a) | 17 | P+1.25% | $3.2M | Q3 2021 |
| Washington · Hotels & Accommodation · $1M – $2M | 7(a) | 16 | P+1.50% | $1.4M | Q4 2017 |
| Washington · Restaurants & Food Service · $500K – $1M | 7(a) | 14 | P+1.88% | $698K | Q1 2023 |
| Washington · Food & Beverage Stores · $350K – $500K | 7(a) | 11 | P+1.75% | $423K | Q2 2020 |
| Washington · Restaurants & Food Service · $350K – $500K | 7(a) | 10 | P+2.00% | $426K | Q4 2021 |
| Washington · Hotels & Accommodation · $500K – $1M | 7(a) | 9 | P+2.00% | $655K | Q3 2021 |
| Washington · Food & Beverage Stores · Under $150K | 7(a) | 9 | P+2.75% | $90K | Q3 2016 |
| California · Miscellaneous Retail · $150K – $350K | 7(a) | 8 | P+2.75% | $247K | Q3 2021 |
| Oregon · Food & Beverage Stores · $150K – $350K | 7(a) | 6 | P+2.50% | $236K | Q4 2019 |
| Texas · Miscellaneous Retail · $150K – $350K | 7(a) | 6 | P+2.75% | $281K | Q4 2020 |
| Washington · Food & Beverage Stores · $500K – $1M | 7(a) | 5 | P+1.75% | $718K | Q3 2020 |
| Washington · Gas Stations · $350K – $500K | 7(a) | 5 | P+2.25% | $415K | Q2 2020 |
| Washington · Laundry & Dry Cleaning · Under $150K | 7(a) | 4 | P+2.25% | $77K | Q1 2017 |
| Washington · Miscellaneous Retail · $500K – $1M | 7(a) | 4 | P+2.75% | $751K | Q4 2020 |
| Washington · Hotels & Accommodation · $350K – $500K | 7(a) | 4 | P+1.88% | $461K | Q3 2020 |
| Oregon · Food & Beverage Stores · $500K – $1M | 7(a) | 4 | P+1.00% | $565K | Q4 2019 |
| Washington · Restaurants & Food Service · $1M – $2M | 7(a) | 3 | P+1.75% | $1.3M | Q1 2020 |
| Washington · Physician & Dental Offices · Under $150K | 7(a) | 3 | P+2.25% | $100K | Q2 2013 |
| Oregon · Hotels & Accommodation · $1M – $2M | 7(a) | 3 | P+2.50% | $1.3M | Q1 2015 |
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