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Unibank: SBA Lending Activity & Industry Focus

Top lender in WashingtonFuel Dealers specialistRecently active

Based on historical SBA 7(a) lending data.

Total Approvals

31

by Unibank

Total Volume

$35,754,500

approved amount

Median Loan Size

$632,000

per approval

Recent Activity

12

last 90 days through Aug 2022

Unibank is a regional lender primarily serving Washington, Georgia, California with notable activity in Fuel Dealers and Full-Service Restaurants. With 31 SBA 7(a) approvals and a typical loan size of $632,000, their lending data provides a detailed picture of where and how they deploy SBA capital.

What you should know

Key insights derived from Unibank's SBA 7(a) lending history

Industry specialist: Fuel Dealers

71% of Unibank's SBA loans go to just 3 industries: Fuel Dealers (32%), Full-Service Restaurants (23%), Gasoline Stations with Convenience Stores (16%). If your business is in one of these sectors, Unibank likely understands your industry's economics well — a major advantage during underwriting.

Regional focus: Washington, Georgia, California

Unibank concentrates their SBA lending in 8 states, with 81% of activity in Washington (55%), Georgia (16%), California (10%). Regional lenders often have strong local relationships and may offer more competitive terms in their core markets.

Declining SBA activity

Unibank's SBA lending has slowed recently — 8 approvals in the last 6 months vs. 17 in the prior period (-53%). This could reflect tighter credit standards, strategic shifts, or seasonal variation.

Typical loan: $611,000

Unibank's median SBA loan is $611,000, with the middle 50% between $275,000 and $1,200,000. They handle a range of loan sizes without strong concentration in any single band.

Smaller SBA program

Unibank has 31 SBA 7(a) approvals. Their smaller volume may mean longer processing times, but could also mean more personalized attention for borrowers.

Lending trends for Unibank

↓ 47%loan volume YoY
↓ 36%dollar volume YoY
Total loaned ($)
Median loan size
Dec '20Mar '21Jun '21Sep '21Jan '22Apr '22Aug '22Dec '22

Loan size distribution

Based on 129 SBA 7(a) approvals

Under $50K0 (0%)
$50K–$150K2 (2%)
$150K–$350K46 (36%)
$350K–$1M34 (26%)
$1M–$5M43 (33%)
Over $5M4 (3%)

Summary

Median (50th percentile)

$611,000

25th percentile

$275,000

75th percentile

$1,200,000

Average

$1,031,795

Typical range

$275,000
$1,200,000

States served

WA17GA5CA3FL2SC1TX1WY1MI1
Less active
More active

State-by-state lending activity

#StateApprovals
1Washington17
2Georgia5
3California3
4Florida2
5South Carolina1
6Texas1
7Wyoming1
8Michigan1

Unibank by industry

Vending Machine Operators10 approvalsSnack and Nonalcoholic Beverage Bars7 approvalsGasoline Stations with Convenience Stores5 approvalsHotels (except Casino Hotels) and Motels3 approvalsNAICS 2112 approvalsBeer, Wine, and Liquor Stores1 approvalsChild Day Care Services1 approvalsFuneral Homes and Funeral Services1 approvalsCar Washes1 approvals

Industry focus

#IndustryNAICSApprovals
1Vending Machine Operators45410
2Snack and Nonalcoholic Beverage Bars7227
3Gasoline Stations with Convenience Stores4475
4Hotels (except Casino Hotels) and Motels7213
5NAICS 2112112
6Beer, Wine, and Liquor Stores4451
7Child Day Care Services6241
8Funeral Homes and Funeral Services8121
9Car Washes8111

Recent SBA 7(a) approvals by Unibank

MonthBorrowerAmount
2023-09Dre*****LLC$1,750,000
2023-06Soo*****LLC$185,000
2022-12Kwa****Lee$2,310,000
2022-11Bri*****Chu$1,155,000
2022-09Aar*****ite$1,155,000
2022-08Pol*****hip$1,155,000
2022-08Soy*****ion$595,000
2022-08PCD****Inc$180,000
2022-06Sud*****LLC$1,910,000
2022-06Ros*****non$1,155,000
2022-06Tim*****ody$1,155,000
2022-06AHA*****LLC$400,000
2022-05DM ****LLC$182,000
2022-05Nam*****Inc$1,200,000
2022-05Nam*****Inc$1,200,000
2022-05Nam*****Inc$1,200,000
2022-04Bro*****man$1,155,000
2022-04Min*****Inc$5,000,000
2022-03Sta*****man$1,155,000
2022-03Fai*****LLC$200,000
2022-03KTB*****LLC$464,000
2022-03Cho*****LLC$510,000
2022-03All***** GP$2,310,000
2022-02SP *****LLC$3,990,000
2022-01Cho*****LLC$400,000
2021-12Umi*****LLC$329,000
2021-12KH *****Inc$108,000
2021-12Blu*****LLC$1,155,000
2021-12JJ *****nc.$462,000
2021-10Tae*****orp$196,000
2021-09P &*****LLC$1,155,000
2021-09Rya*****L21$1,155,000
2021-09Cul*****LLC$297,000
2021-09Axi*****LLC$476,000
2021-09V2***LLC$459,000
2021-09Sta*****LLC$297,000
2021-09PM *****Inc$2,605,000
2021-09Be *****LLC$297,000
2021-09MDS*****Inc$5,000,000
2021-08Gra*****LLC$595,000
2021-08Mod*****LLC$297,000
2021-08Sum*****LLC$1,910,000
2021-08Sim*****LLC$1,725,000
2021-07SA****LLC$297,000
2021-07JLE*****LLC$297,000
2021-07Sir*****LLC$2,386,000
2021-06LGM*****LLC$297,000
2021-06IDM*****LLC$1,763,000
2021-06Rom*****icz$297,000
2021-06Ber*****Inc$1,726,000

Source: Historical SBA 7(a) lending records. Borrower names partially masked for privacy.

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