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.
STRONG
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
3,155
2010–2026
Total Volume
$2.5B
Gross loan amounts
States Active
48
With recorded loans
Programs
7(a) & 504
3152 total segments
United Community Bank has a significant focus on startups, with 54% of their SBA deals going to new businesses. This is higher than the typical lender, making them a strong choice for first-time entrepreneurs.
With an average 7(a) spread of P+2.11%, United Community 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 lender has a diverse deal size breakdown, with a notable number of deals in the $500K-$1M range (798 deals). If you're looking for a loan in this category, United Community Bank may be well-suited to meet your needs.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 340 504 loans, which use fixed SBA debenture rates.
Top 15 of 48 states where United Community 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
Physician & Dental Offices
Health Care & Social Assistance
Manufacturing
Manufacturing
Other Professional Services
Professional Services
Administrative & Waste Services
Administrative & Waste Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Retail Trade
Retail Trade
Specialty Trade Contractors
Construction
+ 7 more
All recorded SBA lending activity for United Community Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Georgia · Restaurants & Food Service · $500K – $1M | 7(a) | 34 | P+2.13% | $708K | Q3 2025 |
| Texas · Physician & Dental Offices · $1M – $2M | 7(a) | 30 | P+1.50% | $1.4M | Q1 2022 |
| Texas · Physician & Dental Offices · $500K – $1M | 7(a) | 28 | P+1.50% | $730K | Q1 2025 |
| North Carolina · Restaurants & Food Service · $500K – $1M | 7(a) | 26 | P+2.25% | $772K | Q2 2024 |
| Florida · Physician & Dental Offices · $500K – $1M | 7(a) | 24 | P+1.50% | $675K | Q3 2023 |
| Florida · Physician & Dental Offices · $1M – $2M | 7(a) | 23 | P+1.50% | $1.4M | Q3 2025 |
| Florida · Restaurants & Food Service · $500K – $1M | 7(a) | 20 | P+2.38% | $681K | Q4 2025 |
| Georgia · Restaurants & Food Service · $1M – $2M | 7(a) | 18 | P+2.00% | $1.5M | Q4 2025 |
| Georgia · Restaurants & Food Service · $150K – $350K | 7(a) | 17 | P+2.75% | $310K | Q3 2025 |
| North Carolina · Restaurants & Food Service · $1M – $2M | 7(a) | 16 | P+2.25% | $1.5M | Q2 2025 |
| Florida · Physician & Dental Offices · $350K – $500K | 7(a) | 15 | P+2.50% | $449K | Q3 2023 |
| Illinois · Restaurants & Food Service · Under $150K | 7(a) | 15 | P+1.00% | $73K | Q4 2024 |
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 15 | P+2.25% | $715K | Q4 2025 |
| North Carolina · Restaurants & Food Service · Under $150K | 7(a) | 15 | P+2.50% | $73K | Q2 2022 |
| South Carolina · Restaurants & Food Service · $500K – $1M | 7(a) | 14 | P+2.00% | $738K | Q1 2025 |
| North Carolina · Restaurants & Food Service · $350K – $500K | 7(a) | 14 | P+2.38% | $432K | Q2 2023 |
| North Carolina · Restaurants & Food Service · $150K – $350K | 7(a) | 13 | P+2.50% | $278K | Q4 2022 |
| Georgia · Restaurants & Food Service · $350K – $500K | 7(a) | 13 | P+2.25% | $444K | Q3 2025 |
| Texas · Restaurants & Food Service · $350K – $500K | 7(a) | 13 | P+2.50% | $417K | Q1 2022 |
| Alabama · Restaurants & Food Service · $500K – $1M | 7(a) | 13 | P+2.50% | $685K | Q1 2025 |
| South Carolina · Restaurants & Food Service · $1M – $2M | 7(a) | 12 | P+2.13% | $1.5M | Q1 2023 |
| Texas · Administrative & Waste Services · $150K – $350K | 7(a) | 12 | P+2.75% | $265K | Q2 2025 |
| North Carolina · Administrative & Waste Services · $150K – $350K | 7(a) | 11 | P+2.75% | $255K | Q3 2024 |
| Florida · Restaurants & Food Service · $350K – $500K | 7(a) | 11 | P+2.50% | $417K | Q4 2024 |
| Georgia · Manufacturing · $500K – $1M | 7(a) | 11 | P+2.25% | $745K | Q3 2023 |
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Real experiences from borrowers who closed SBA loans with United Community Bank.
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Matched to real SBA lending records. LenderHawk is not affiliated with or endorsed by these podcasts.