United Business Bank
Headquartered in WALNUT CREEK, CA. Analysis based on 222 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $272.7M.
Total 7(a) loans
222
Total approved
$272.7M
Average loan
$1.2M
States funded in
15
Charge-off rate
0.49%
FY2020–FY2023 cohort
Paid-in-full rate
41.09%
Average rate
6.02%
Average term
213 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 35 |
| 722511 | Full-Service Restaurants | 19 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 15 |
| 447110 | Gasoline Stations with Convenience Stores | 13 |
| 721110 | Hotels (except Casino Hotels) and Motels | 5 |
| 445310 | Beer, Wine, and Liquor Stores | 5 |
| 624410 | Child Day Care Services | 5 |
| 484121 | General Freight Trucking, Long Distance, Truckload | 4 |
| 623312 | Homes for the Elderly | 4 |
| 811192 | Car Washes | 4 |
Top 10 states
| State | Loans |
|---|---|
| CA | 181 |
| CO | 10 |
| NV | 9 |
| WA | 6 |
| TX | 3 |
| AZ | 2 |
| HI | 2 |
| NM | 2 |
| AK | 1 |
| MS | 1 |
Top franchise brands financed
65 franchise loans across 38 distinct brands.
| Franchise | Loans |
|---|---|
| Papa John's | 10 |
| Wetzel's Pretzels | 4 |
| Big O Tires | 3 |
| AM/PM Mini-Mart Agreement - AR | 3 |
| Oggi's | 2 |
| Jamba | 2 |
| Jimmy John's | 2 |
| Baskin-Robbins | 2 |
| Lee's Sandwiches | 2 |
| Togo's and TOGO'S | 2 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.