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
599
2010–2026
Total Volume
$301M
Gross loan amounts
States Active
5
With recorded loans
Programs
7(a) & 504
599 total segments
Univest Bank has a strong presence in Pennsylvania, with 516 of its 599 total SBA deals coming from this state. This indicates a focus on local businesses, making it a favorable option for borrowers in PA.
With an average 7(a) spread of P+2.32%, Univest Bank offers competitive pricing compared to the national median of P+2.75%. This could mean lower overall costs for your loan.
The lender has a diverse deal purpose mix, with 48% of loans going to existing businesses and 40% to startups. This suggests they are well-equipped to support both new and established businesses, which may be beneficial depending on your business stage.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 54 504 loans, which use fixed SBA debenture rates.
States where Univest Bank and Trust Co has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Restaurants & Food Service
Accommodation & Food Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Wholesale Trade
Wholesale Trade
Administrative & Waste Services
Administrative & Waste Services
Other Health Practitioners
Health Care & Social Assistance
Engineering & Architecture
Professional Services
+ 7 more
All recorded SBA lending activity for Univest Bank and Trust Co, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Pennsylvania · Specialty Trade Contractors · Under $150K | 7(a) | 33 | P+2.25% | $72K | Q2 2025 |
| Pennsylvania · Manufacturing · Under $150K | 7(a) | 25 | P+2.25% | $74K | Q4 2025 |
| Pennsylvania · Manufacturing · $150K – $350K | 7(a) | 23 | P+2.00% | $261K | Q3 2025 |
| Pennsylvania · Other Health Practitioners · Under $150K | 7(a) | 16 | P+2.00% | $66K | Q3 2025 |
| Pennsylvania · Restaurants & Food Service · Under $150K | 7(a) | 13 | P+2.25% | $65K | Q3 2025 |
| Pennsylvania · Restaurants & Food Service · $150K – $350K | 7(a) | 13 | P+2.50% | $244K | Q3 2025 |
| Pennsylvania · Retail Trade · Under $150K | 7(a) | 11 | P+2.00% | $45K | Q1 2023 |
| Pennsylvania · Building Construction · Under $150K | 7(a) | 11 | P+2.00% | $74K | Q2 2022 |
| Pennsylvania · Administrative & Waste Services · Under $150K | 7(a) | 11 | P+2.25% | $83K | Q1 2025 |
| Pennsylvania · Restaurants & Food Service · $500K – $1M | 7(a) | 11 | P+2.75% | $731K | Q3 2025 |
| Pennsylvania · Specialty Trade Contractors · $150K – $350K | 7(a) | 11 | P+2.50% | $299K | Q1 2025 |
| Pennsylvania · Arts, Entertainment & Recreation · Under $150K | 7(a) | 10 | P+2.50% | $87K | Q4 2025 |
| Pennsylvania · Wholesale Trade · $150K – $350K | 7(a) | 10 | P+2.75% | $250K | Q1 2025 |
| Pennsylvania · Wholesale Trade · Under $150K | 7(a) | 9 | P+2.00% | $86K | Q2 2022 |
| Pennsylvania · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 9 | P+2.50% | $239K | Q4 2025 |
| Pennsylvania · Administrative & Waste Services · $150K – $350K | 7(a) | 9 | P+2.75% | $275K | Q4 2025 |
| Pennsylvania · Social Assistance · Under $150K | 7(a) | 8 | P+2.00% | $56K | Q1 2025 |
| Pennsylvania · Auto Repair & Maintenance · Under $150K | 7(a) | 8 | P+2.13% | $63K | Q3 2024 |
| Pennsylvania · Manufacturing · $350K – $500K | 7(a) | 8 | P+2.25% | $447K | Q1 2025 |
| Pennsylvania · Engineering & Architecture · Under $150K | 7(a) | 7 | P+2.00% | $66K | Q4 2023 |
| Pennsylvania · Food & Beverage Stores · Under $150K | 7(a) | 7 | P+2.75% | $123K | Q2 2025 |
| Pennsylvania · Personal Care (Salons, Spas) · Under $150K | 7(a) | 6 | P+3.25% | $69K | Q1 2015 |
| Pennsylvania · Retail Trade · $150K – $350K | 7(a) | 5 | P+2.00% | $207K | Q2 2017 |
| Pennsylvania · Accounting & Tax · Under $150K | 7(a) | 5 | P+2.00% | $77K | Q1 2019 |
| Pennsylvania · Management & IT Consulting · Under $150K | 7(a) | 5 | P+2.25% | $82K | Q4 2014 |
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Real experiences from borrowers who closed SBA loans with Univest Bank and Trust Co.
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