GOOD
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.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
114
2010–2026
Total Volume
$67M
Gross loan amounts
States Active
20
With recorded loans
Programs
7(a)
114 total segments
United Bank of Philadelphia focuses heavily on startups, with 51% of their 114 deals going to new businesses. This makes them a strong option for first-time borrowers looking to launch their ventures.
With an average 7(a) spread of P+2.57%, United Bank 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.
The bank has experienced a significant decline in lending activity, with a 50% drop in deals year-over-year. This trend may indicate a tighter approval process, so be prepared for potential scrutiny during your application.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes.
Top 15 of 20 states where United Bank of Philadelphia has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Finance & Insurance
Finance & Insurance
Restaurants & Food Service
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
Social Assistance
Health Care & Social Assistance
Food & Beverage Stores
Retail Trade
Personal Care (Salons, Spas)
Other Services
Real Estate
Real Estate
Information & Media
Information & Media
+ 7 more
All recorded SBA lending activity for United Bank of Philadelphia, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Pennsylvania · Restaurants & Food Service · $500K – $1M | 7(a) | 5 | P+2.50% | $751K | Q3 2021 |
| Pennsylvania · Social Assistance · $150K – $350K | 7(a) | 3 | P+2.75% | $278K | Q4 2019 |
| Pennsylvania · Auto Repair & Maintenance · $150K – $350K | 7(a) | 3 | P+2.75% | $234K | Q2 2017 |
| Pennsylvania · Restaurants & Food Service · $350K – $500K | 7(a) | 3 | P+2.50% | $471K | Q4 2017 |
| Washington · Finance & Insurance · $150K – $350K | 7(a) | 3 | P+2.75% | $282K | Q4 2020 |
| Louisiana · Finance & Insurance · Under $150K | 7(a) | 3 | P+2.75% | $108K | Q1 2020 |
| Pennsylvania · Auto Repair & Maintenance · $500K – $1M | 7(a) | 2 | P+2.75% | $707K | Q3 2021 |
| Pennsylvania · Education · $1M – $2M | 7(a) | 2 | P+2.13% | $1.8M | Q3 2018 |
| Pennsylvania · Arts, Entertainment & Recreation · $1M – $2M | 7(a) | 2 | P+2.75% | $1.5M | Q4 2016 |
| Pennsylvania · Personal Care (Salons, Spas) · $350K – $500K | 7(a) | 2 | P+2.63% | $450K | Q1 2019 |
| New Jersey · Social Assistance · $500K – $1M | 7(a) | 2 | P+2.75% | $771K | Q4 2015 |
| North Carolina · Finance & Insurance · Under $150K | 7(a) | 2 | P+2.88% | $125K | Q3 2019 |
| Pennsylvania · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+2.63% | $233K | Q1 2017 |
| Pennsylvania · Restaurants & Food Service · $1M – $2M | 7(a) | 2 | P+2.38% | $1.6M | Q2 2016 |
| Arizona · Finance & Insurance · Under $150K | 7(a) | 2 | P+2.75% | $100K | Q1 2020 |
| Pennsylvania · Food & Beverage Stores · $150K – $350K | 7(a) | 2 | P+2.75% | $223K | Q4 2016 |
| Pennsylvania · Information & Media · $350K – $500K | 7(a) | 2 | P+2.75% | $413K | Q2 2016 |
| Pennsylvania · Finance & Insurance · Under $150K | 7(a) | 2 | P+2.50% | $115K | Q1 2021 |
| Pennsylvania · Other Health Practitioners · $150K – $350K | 7(a) | 2 | P+2.38% | $275K | Q1 2024 |
| Florida · Finance & Insurance · $150K – $350K | 7(a) | 2 | P+2.75% | $236K | Q3 2021 |
| New York · Finance & Insurance · $1M – $2M | 7(a) | 1 | P+2.00% | $1.1M | Q3 2021 |
| New York · Finance & Insurance · $500K – $1M | 7(a) | 1 | P+2.00% | $713K | Q3 2021 |
| Ohio · Gas Stations · Under $150K | 7(a) | 1 | P+2.50% | $75K | Q2 2013 |
| Ohio · Finance & Insurance · Under $150K | 7(a) | 1 | P+2.75% | $150K | Q4 2019 |
| Oklahoma · Finance & Insurance · $150K – $350K | 7(a) | 1 | P+2.75% | $188K | Q4 2021 |
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Real experiences from borrowers who closed SBA loans with United Bank of Philadelphia.
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