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
745
2010–2026
Total Volume
$502M
Gross loan amounts
States Active
19
With recorded loans
Programs
7(a) & 504
736 total segments
United Bank has a significant focus on 504 loans, with 32% of their SBA deals in this category, well above the national average of 18%. This makes them a strong option for borrowers looking for real estate financing.
The average deal size at United Bank is $682,521, which indicates they are well-equipped to handle larger transactions. However, over 50% of their deals are under $350K, suggesting they also cater to smaller businesses.
United Bank's lending activity has declined by 22% year-over-year, which may indicate a tightening of their lending criteria or reduced appetite for new loans. Borrowers should be prepared for potentially stricter approval processes.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 237 504 loans, which use fixed SBA debenture rates.
Top 15 of 19 states where United Bank 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
Manufacturing
Manufacturing
Management & IT Consulting
Professional Services
Retail Trade
Retail Trade
Auto Repair & Maintenance
Other Services
Physician & Dental Offices
Health Care & Social Assistance
Food & Beverage Stores
Retail Trade
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for United Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Virginia · Management & IT Consulting · Under $150K | 7(a) | 19 | P+2.00% | $90K | Q4 2016 |
| Georgia · Restaurants & Food Service · $150K – $350K | 7(a) | 16 | P+2.38% | $284K | Q4 2023 |
| Georgia · Restaurants & Food Service · $500K – $1M | 7(a) | 8 | P+2.25% | $679K | Q3 2022 |
| North Carolina · Manufacturing · Under $150K | 7(a) | 7 | P+2.65% | $76K | Q2 2018 |
| Alabama · Manufacturing · Under $150K | 7(a) | 7 | P+3.75% | $41K | Q4 2014 |
| Georgia · Manufacturing · $500K – $1M | 7(a) | 7 | P+2.00% | $743K | Q3 2022 |
| Georgia · Manufacturing · $1M – $2M | 7(a) | 7 | P+2.50% | $1.4M | Q2 2021 |
| North Carolina · Restaurants & Food Service · $150K – $350K | 7(a) | 6 | P+2.50% | $228K | Q4 2019 |
| Virginia · Other Professional Services · Under $150K | 7(a) | 6 | P+2.75% | $71K | Q4 2016 |
| Virginia · Physician & Dental Offices · Under $150K | 7(a) | 6 | P+1.38% | $56K | Q3 2012 |
| Virginia · Restaurants & Food Service · Under $150K | 7(a) | 5 | P+3.25% | $91K | Q2 2012 |
| North Carolina · Retail Trade · Under $150K | 7(a) | 5 | P+2.25% | $80K | Q1 2017 |
| North Carolina · Physician & Dental Offices · Under $150K | 7(a) | 5 | P+1.25% | $100K | Q3 2017 |
| Georgia · Restaurants & Food Service · Under $150K | 7(a) | 5 | P+2.50% | $144K | Q2 2024 |
| North Carolina · Specialty Trade Contractors · Under $150K | 7(a) | 5 | P+2.50% | $85K | Q3 2016 |
| Georgia · Food & Beverage Stores · $150K – $350K | 7(a) | 4 | P+2.38% | $259K | Q2 2022 |
| Virginia · Hotels & Accommodation · $2M – $5M | 504 | 4 | — | $3.6M | Q1 2025 |
| Georgia · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 4 | P+2.75% | $268K | Q3 2024 |
| Virginia · Manufacturing · $150K – $350K | 504 | 4 | — | $289K | Q2 2017 |
| Virginia · Food & Beverage Stores · $150K – $350K | 7(a) | 4 | P+2.63% | $259K | Q2 2015 |
| North Carolina · Administrative & Waste Services · Under $150K | 7(a) | 4 | P+3.00% | $63K | Q1 2017 |
| Virginia · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+2.75% | $191K | Q4 2011 |
| North Carolina · Auto Repair & Maintenance · Under $150K | 7(a) | 4 | P+2.25% | $60K | Q3 2016 |
| North Carolina · Sporting Goods & Hobby · Under $150K | 7(a) | 4 | P+2.38% | $65K | Q4 2016 |
| Virginia · Building Construction · Under $150K | 7(a) | 4 | P+2.63% | $77K | Q1 2014 |
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