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
1,648
2010–2026
Total Volume
$1.6B
Gross loan amounts
States Active
19
With recorded loans
Programs
7(a) & 504
1648 total segments
United Business Bank has a strong focus on existing businesses, with 56% of their deals serving this segment. This makes them a solid choice for established companies looking to expand or refinance.
With an average 7(a) spread of P+2.24%, United Business Bank offers competitive pricing compared to the national median of P+2.75%. This can lead to significant savings for borrowers over the life of the loan.
Despite a solid volume of SBA loans, United Business Bank's growth trend is declining at -14% year-over-year. This could indicate potential challenges in securing approval or funding as they may be tightening their lending criteria.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 212 504 loans, which use fixed SBA debenture rates.
Top 15 of 19 states where United Business 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
Hotels & Accommodation
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
Manufacturing
Manufacturing
Gas Stations
Retail Trade
Wholesale Trade
Wholesale Trade
Auto Repair & Maintenance
Other Services
Laundry & Dry Cleaning
Other Services
+ 7 more
All recorded SBA lending activity for United Business Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 67 | P+2.00% | $252K | Q1 2025 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 50 | P+2.00% | $694K | Q3 2025 |
| California · Food & Beverage Stores · $150K – $350K | 7(a) | 42 | P+2.00% | $252K | Q2 2022 |
| California · Hotels & Accommodation · $1M – $2M | 7(a) | 39 | P+2.00% | $1.5M | Q1 2019 |
| California · Food & Beverage Stores · $500K – $1M | 7(a) | 37 | P+1.75% | $720K | Q3 2025 |
| California · Restaurants & Food Service · $350K – $500K | 7(a) | 35 | P+2.00% | $421K | Q4 2025 |
| California · Manufacturing · $500K – $1M | 7(a) | 33 | P+2.75% | $757K | Q4 2020 |
| California · Hotels & Accommodation · $2M – $5M | 7(a) | 32 | P+1.50% | $3.0M | Q1 2022 |
| California · Hotels & Accommodation · $500K – $1M | 7(a) | 29 | P+2.25% | $753K | Q4 2017 |
| California · Wholesale Trade · $500K – $1M | 7(a) | 24 | P+2.00% | $747K | Q2 2021 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 24 | P+2.00% | $123K | Q2 2023 |
| California · Laundry & Dry Cleaning · $150K – $350K | 7(a) | 22 | P+2.00% | $254K | Q1 2019 |
| California · Manufacturing · $1M – $2M | 7(a) | 22 | P+2.75% | $1.5M | Q3 2021 |
| California · Restaurants & Food Service · $1M – $2M | 7(a) | 22 | P+2.25% | $1.4M | Q4 2023 |
| California · Gas Stations · $2M – $5M | 7(a) | 20 | P+2.00% | $3.4M | Q3 2021 |
| California · Gas Stations · $1M – $2M | 7(a) | 19 | P+1.75% | $1.4M | Q4 2021 |
| California · Food & Beverage Stores · Under $150K | 7(a) | 19 | P+2.00% | $117K | Q3 2019 |
| California · Gas Stations · $500K – $1M | 7(a) | 18 | P+2.13% | $744K | Q2 2020 |
| California · Transportation & Warehousing · $1M – $2M | 7(a) | 18 | P+2.75% | $1.4M | Q3 2023 |
| California · Transportation & Warehousing · $500K – $1M | 7(a) | 17 | P+2.75% | $721K | Q4 2019 |
| California · Manufacturing · $350K – $500K | 7(a) | 17 | P+2.75% | $437K | Q3 2020 |
| California · Food & Beverage Stores · $1M – $2M | 7(a) | 17 | P+1.50% | $1.4M | Q3 2021 |
| California · Laundry & Dry Cleaning · $500K – $1M | 7(a) | 16 | P+1.50% | $708K | Q4 2017 |
| California · Wholesale Trade · $150K – $350K | 7(a) | 15 | P+2.75% | $288K | Q3 2020 |
| California · Wholesale Trade · $1M – $2M | 7(a) | 15 | P+1.63% | $1.4M | Q4 2019 |
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Real experiences from borrowers who closed SBA loans with United Business Bank.
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