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.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
426
2010–2025
Total Volume
$43M
Gross loan amounts
States Active
5
With recorded loans
Programs
7(a) & 504
425 total segments
UniBank for Savings primarily serves existing businesses, with 84% of their deals focused on this segment. This makes them a strong choice for established companies seeking financing.
With an average 7(a) spread of P+1.40%, UniBank offers competitive pricing compared to the national median of P+2.75%. This could save borrowers significantly on interest costs.
Despite a minimal presence in 504 loans (4% of total deals), UniBank's focus on 7(a) loans suggests they are better suited for smaller financing needs, as evidenced by their average deal size of $100,812.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 18 504 loans, which use fixed SBA debenture rates.
States where UniBank for Savings has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Administrative & Waste Services
Administrative & Waste Services
Transportation & Warehousing
Transportation & Warehousing
Management & IT Consulting
Professional Services
Other Health Practitioners
Health Care & Social Assistance
Wholesale Trade
Wholesale Trade
Auto Repair & Maintenance
Other Services
+ 7 more
All recorded SBA lending activity for UniBank for Savings, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Massachusetts · Specialty Trade Contractors · Under $150K | 7(a) | 65 | P+2.00% | $56K | Q3 2024 |
| Massachusetts · Administrative & Waste Services · Under $150K | 7(a) | 48 | P+1.28% | $38K | Q3 2024 |
| Massachusetts · Manufacturing · Under $150K | 7(a) | 40 | P+1.50% | $54K | Q4 2023 |
| Massachusetts · Transportation & Warehousing · Under $150K | 7(a) | 23 | P+-0.17% | $53K | Q1 2024 |
| Massachusetts · Management & IT Consulting · Under $150K | 7(a) | 16 | P+2.00% | $65K | Q2 2021 |
| Massachusetts · Other Health Practitioners · Under $150K | 7(a) | 15 | P+2.00% | $52K | Q2 2024 |
| Massachusetts · Building Construction · Under $150K | 7(a) | 14 | P+1.75% | $72K | Q1 2023 |
| Massachusetts · Personal Care (Salons, Spas) · Under $150K | 7(a) | 13 | P+1.61% | $25K | Q4 2022 |
| Massachusetts · Wholesale Trade · Under $150K | 7(a) | 12 | P+1.87% | $58K | Q3 2023 |
| Massachusetts · Real Estate · Under $150K | 7(a) | 9 | P+1.75% | $59K | Q1 2025 |
| Massachusetts · Auto Repair & Maintenance · Under $150K | 7(a) | 9 | P+2.00% | $51K | Q3 2020 |
| Massachusetts · Engineering & Architecture · Under $150K | 7(a) | 8 | P+1.56% | $55K | Q4 2023 |
| Massachusetts · Other Professional Services · Under $150K | 7(a) | 8 | P+2.00% | $50K | Q4 2024 |
| Massachusetts · Gas Stations · Under $150K | 7(a) | 8 | P+2.00% | $66K | Q2 2017 |
| Massachusetts · General Merchandise · Under $150K | 7(a) | 8 | P+2.00% | $48K | Q3 2019 |
| Massachusetts · Information & Media · Under $150K | 7(a) | 6 | P+1.65% | $66K | Q3 2017 |
| Massachusetts · Miscellaneous Retail · Under $150K | 7(a) | 6 | P+1.63% | $87K | Q2 2021 |
| Massachusetts · Physician & Dental Offices · Under $150K | 7(a) | 5 | P+2.00% | $76K | Q4 2017 |
| Massachusetts · Food & Beverage Stores · Under $150K | 7(a) | 5 | P+2.00% | $76K | Q1 2012 |
| Massachusetts · Heavy & Civil Engineering · Under $150K | 7(a) | 4 | P+1.36% | $116K | Q3 2017 |
| Massachusetts · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+1.50% | $231K | Q1 2024 |
| Massachusetts · Restaurants & Food Service · Under $150K | 7(a) | 4 | P+2.00% | $36K | Q2 2023 |
| Massachusetts · Laundry & Dry Cleaning · Under $150K | 7(a) | 4 | P+1.50% | $36K | Q1 2023 |
| Massachusetts · Agriculture & Forestry · Under $150K | 7(a) | 4 | P+1.17% | $23K | Q4 2017 |
| Massachusetts · Retail Trade · Under $150K | 7(a) | 4 | P+1.75% | $89K | Q4 2022 |
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Real experiences from borrowers who closed SBA loans with UniBank for Savings.
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