STRONG
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.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
104
2010–2025
Total Volume
$168M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
104 total segments
United Pacific Bank primarily focuses on existing businesses, with 87% of their deals supporting acquisitions. This makes them a strong option for buyers looking to purchase established companies.
With an average 7(a) spread of P+1.63%, United Pacific Bank offers competitive pricing compared to the national median of P+2.75%. This could result in significant savings for borrowers.
United Pacific Bank has shown a 20% year-over-year growth in SBA lending, indicating a strong upward trajectory. This suggests they are actively looking to expand their lending portfolio, which may benefit new borrowers.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 1 504 loans, which use fixed SBA debenture rates.
States where United Pacific Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Hotels & Accommodation
Accommodation & Food Services
Restaurants & Food Service
Accommodation & Food Services
Wholesale Trade
Wholesale Trade
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
Miscellaneous Retail
Retail Trade
Transportation & Warehousing
Transportation & Warehousing
Nursing & Residential Care
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for United Pacific Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Hotels & Accommodation · $2M – $5M | 7(a) | 14 | P+1.00% | $3.7M | Q2 2021 |
| California · Wholesale Trade · $2M – $5M | 7(a) | 7 | P+1.25% | $3.7M | Q2 2020 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 6 | P+1.75% | $270K | Q3 2023 |
| California · Hotels & Accommodation · $1M – $2M | 7(a) | 6 | P+1.00% | $1.6M | Q4 2020 |
| California · Wholesale Trade · $1M – $2M | 7(a) | 5 | P+1.50% | $1.8M | Q4 2021 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 5 | P+1.00% | $741K | Q4 2022 |
| California · Restaurants & Food Service · $2M – $5M | 7(a) | 4 | P+1.38% | $2.7M | Q2 2022 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 4 | P+2.00% | $100K | Q3 2022 |
| California · Hotels & Accommodation · $500K – $1M | 7(a) | 3 | P+1.00% | $833K | Q1 2014 |
| California · Other Health Practitioners · $500K – $1M | 7(a) | 3 | P+0.88% | $782K | Q1 2025 |
| California · Finance & Insurance · $150K – $350K | 7(a) | 2 | P+0.75% | $345K | Q3 2025 |
| California · Miscellaneous Retail · Under $150K | 7(a) | 2 | P+2.00% | $75K | Q1 2025 |
| California · Nursing & Residential Care · $2M – $5M | 7(a) | 2 | P+-0.63% | $3.8M | Q2 2018 |
| California · Manufacturing · $2M – $5M | 7(a) | 2 | P+2.75% | $3.0M | Q1 2014 |
| California · Wholesale Trade · $500K – $1M | 7(a) | 2 | P+1.88% | $737K | Q2 2017 |
| California · Transportation & Warehousing · $500K – $1M | 7(a) | 2 | P+2.25% | $811K | Q3 2019 |
| California · Nursing & Residential Care · $150K – $350K | 7(a) | 1 | P+2.50% | $200K | Q3 2019 |
| Texas · Manufacturing · $2M – $5M | 7(a) | 1 | P+1.00% | $2.8M | Q2 2022 |
| California · Nursing & Residential Care · $500K – $1M | 7(a) | 1 | P+2.75% | $1.0M | Q2 2016 |
| California · Management & IT Consulting · Under $150K | 7(a) | 1 | P+2.75% | $50K | Q1 2015 |
| California · Legal Services · $150K – $350K | 7(a) | 1 | P+1.25% | $350K | Q4 2015 |
| California · Miscellaneous Retail · $350K – $500K | 7(a) | 1 | P+1.75% | $500K | Q1 2024 |
| California · Miscellaneous Retail · $1M – $2M | 7(a) | 1 | P+1.00% | $1.1M | Q3 2020 |
| California · Miscellaneous Retail · $150K – $350K | 7(a) | 1 | P+2.00% | $285K | Q2 2012 |
| California · Restaurants & Food Service · $1M – $2M | 7(a) | 1 | P+1.00% | $1.6M | Q4 2017 |
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