GOOD
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.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
595
2010–2026
Total Volume
$465M
Gross loan amounts
States Active
12
With recorded loans
Programs
7(a) & 504
595 total segments
Unity Bank has a strong focus on existing businesses, with 46% of their deals serving this purpose. This could be beneficial if you're looking to expand or refinance an established business.
With an average 7(a) pricing spread of P+2.42%, Unity Bank offers competitive rates compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
Unity Bank has shown impressive growth, doubling their deal volume year-over-year. This trend suggests they are actively seeking new borrowers, which may increase your chances of approval.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 46 504 loans, which use fixed SBA debenture rates.
States where Unity Bank has recorded SBA lending activity.
+ 7 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
Manufacturing
Manufacturing
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Wholesale Trade
Wholesale Trade
Retail Trade
Retail Trade
Physician & Dental Offices
Health Care & Social Assistance
Specialty Trade Contractors
Construction
+ 7 more
All recorded SBA lending activity for Unity Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New Jersey · Restaurants & Food Service · $500K – $1M | 7(a) | 26 | P+2.50% | $773K | Q2 2025 |
| Minnesota · Manufacturing · Under $150K | 7(a) | 16 | P+2.75% | $82K | Q1 2025 |
| New Jersey · Food & Beverage Stores · $500K – $1M | 7(a) | 15 | P+2.25% | $753K | Q3 2025 |
| New Jersey · Restaurants & Food Service · $1M – $2M | 7(a) | 15 | P+2.25% | $1.4M | Q4 2025 |
| New Jersey · Restaurants & Food Service · $150K – $350K | 7(a) | 14 | P+2.50% | $247K | Q4 2024 |
| New Jersey · Restaurants & Food Service · $350K – $500K | 7(a) | 12 | P+2.25% | $410K | Q4 2021 |
| New Jersey · Food & Beverage Stores · $150K – $350K | 7(a) | 10 | P+2.75% | $260K | Q1 2015 |
| New Jersey · Arts, Entertainment & Recreation · $1M – $2M | 7(a) | 10 | P+2.38% | $1.4M | Q1 2024 |
| New Jersey · Restaurants & Food Service · Under $150K | 7(a) | 9 | P+2.75% | $118K | Q1 2016 |
| New Jersey · Arts, Entertainment & Recreation · $500K – $1M | 7(a) | 9 | P+2.25% | $638K | Q2 2025 |
| Minnesota · Retail Trade · Under $150K | 7(a) | 8 | P+2.27% | $55K | Q2 2021 |
| New Jersey · Restaurants & Food Service · $2M – $5M | 7(a) | 8 | P+2.25% | $3.1M | Q3 2023 |
| New Jersey · Food & Beverage Stores · $1M – $2M | 7(a) | 8 | P+2.25% | $1.3M | Q3 2021 |
| Minnesota · Specialty Trade Contractors · Under $150K | 7(a) | 8 | P+3.25% | $49K | Q1 2018 |
| Pennsylvania · Restaurants & Food Service · $1M – $2M | 7(a) | 5 | P+2.25% | $1.3M | Q2 2017 |
| New Jersey · Retail Trade · $1M – $2M | 7(a) | 5 | P+2.00% | $1.4M | Q2 2022 |
| New Jersey · Wholesale Trade · $150K – $350K | 7(a) | 5 | P+2.75% | $263K | Q3 2016 |
| New Jersey · Personal Care (Salons, Spas) · Under $150K | 7(a) | 5 | P+2.75% | $100K | Q3 2018 |
| New Jersey · Auto Repair & Maintenance · $1M – $2M | 7(a) | 5 | P+2.25% | $1.4M | Q3 2025 |
| Minnesota · Wholesale Trade · Under $150K | 7(a) | 5 | P+2.25% | $70K | Q2 2015 |
| Minnesota · Manufacturing · $150K – $350K | 7(a) | 4 | P+3.45% | $195K | Q3 2017 |
| Minnesota · Physician & Dental Offices · Under $150K | 7(a) | 4 | P+2.50% | $86K | Q4 2017 |
| Minnesota · Transportation & Warehousing · Under $150K | 7(a) | 4 | P+2.50% | $64K | Q3 2018 |
| New Jersey · Food & Beverage Stores · $350K – $500K | 7(a) | 4 | P+2.75% | $425K | Q3 2025 |
| New Jersey · Physician & Dental Offices · Under $150K | 7(a) | 4 | P+2.75% | $96K | Q4 2010 |
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