STRONG
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.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
658
2010–2026
Total Volume
$259M
Gross loan amounts
States Active
16
With recorded loans
Programs
7(a) & 504
658 total segments
Union Bank and Trust Company has a strong focus on existing businesses, with 47% of their deals supporting established companies. This could be beneficial if you're looking to expand an existing operation rather than starting from scratch.
With an average 7(a) spread of P+1.02%, Union Bank offers competitive pricing compared to the national median of P+2.75%. This could mean lower overall costs for your loan, making it a financially attractive option.
The lender's growth trend shows a significant decline of 38% year-over-year in deal volume. This could indicate a tightening of lending standards or reduced capacity to take on new loans, which may affect your chances of approval.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 89 504 loans, which use fixed SBA debenture rates.
Top 15 of 16 states where Union Bank and Trust Company 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
Other Health Practitioners
Health Care & Social Assistance
Specialty Trade Contractors
Construction
Administrative & Waste Services
Administrative & Waste Services
Manufacturing
Manufacturing
Other Professional Services
Professional Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Personal Care (Salons, Spas)
Other Services
+ 7 more
All recorded SBA lending activity for Union Bank and Trust Company, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Nebraska · Restaurants & Food Service · Under $150K | 7(a) | 38 | P+1.50% | $69K | Q3 2025 |
| Nebraska · Administrative & Waste Services · Under $150K | 7(a) | 25 | P+1.25% | $81K | Q1 2025 |
| Nebraska · Other Health Practitioners · Under $150K | 7(a) | 21 | P+1.50% | $57K | Q3 2025 |
| Nebraska · Specialty Trade Contractors · Under $150K | 7(a) | 20 | P+1.10% | $65K | Q4 2025 |
| Nebraska · Arts, Entertainment & Recreation · Under $150K | 7(a) | 17 | P+0.75% | $75K | Q3 2025 |
| Nebraska · Restaurants & Food Service · $150K – $350K | 7(a) | 15 | P+1.25% | $251K | Q2 2023 |
| Nebraska · Manufacturing · Under $150K | 7(a) | 14 | P+2.00% | $91K | Q3 2024 |
| Nebraska · Other Professional Services · Under $150K | 7(a) | 13 | P+2.00% | $65K | Q4 2025 |
| Nebraska · Food & Beverage Stores · Under $150K | 7(a) | 12 | P+1.25% | $71K | Q1 2024 |
| Nebraska · Specialty Trade Contractors · $150K – $350K | 7(a) | 11 | P+0.30% | $250K | Q2 2025 |
| Nebraska · Management & IT Consulting · Under $150K | 7(a) | 9 | P+1.75% | $68K | Q3 2024 |
| Nebraska · Miscellaneous Retail · $150K – $350K | 7(a) | 7 | P+0.00% | $236K | Q1 2025 |
| Nebraska · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 7 | P+1.24% | $215K | Q1 2025 |
| Nebraska · Personal Care (Salons, Spas) · Under $150K | 7(a) | 7 | P+1.00% | $63K | Q4 2024 |
| Nebraska · Wholesale Trade · Under $150K | 7(a) | 7 | P+0.75% | $92K | Q1 2024 |
| Nebraska · Restaurants & Food Service · $500K – $1M | 7(a) | 7 | P+1.10% | $747K | Q2 2025 |
| Nebraska · Restaurants & Food Service · $350K – $500K | 7(a) | 7 | P+0.00% | $461K | Q3 2025 |
| Nebraska · Education · Under $150K | 7(a) | 6 | P+1.00% | $55K | Q1 2024 |
| Nebraska · Real Estate · $150K – $350K | 7(a) | 6 | P+0.60% | $272K | Q2 2025 |
| Nebraska · Miscellaneous Retail · Under $150K | 7(a) | 6 | P+1.00% | $54K | Q1 2025 |
| Nebraska · Administrative & Waste Services · $350K – $500K | 7(a) | 6 | P+0.17% | $436K | Q2 2024 |
| Nebraska · Finance & Insurance · Under $150K | 7(a) | 6 | P+1.13% | $120K | Q2 2021 |
| Nebraska · Other Professional Services · $150K – $350K | 7(a) | 6 | P+1.63% | $264K | Q1 2017 |
| Nebraska · Information & Media · Under $150K | 7(a) | 6 | P+2.25% | $61K | Q1 2025 |
| Nebraska · Administrative & Waste Services · $1M – $2M | 7(a) | 5 | P+1.25% | $1.3M | Q4 2024 |
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