$653.3 million in gross dollars and 614 approved loans make up the United Business Bank entry for FY2017 to FY2026. The $653.3 million for United Business Bank counts approved dollars, not balances. 614 loans sit under SBA 7(a), every United Business Bank loan here. United Business Bank reads 0 under SBA 504. 614 loans are records SBA keeps on United Business Bank. SBA, not United Business Bank, carries each guarantee. Each of the 614 loans is assigned to United Business Bank now, or last held by it. United Business Bank reflects only SBA 7(a) rules. Here, United Business Bank means the holder SBA names. United Business Bank's 614 loans span FY2017 to FY2026 approvals.

United Business Bank: classes and geography

For United Business Bank, these classes lead: limited-service restaurant, 82 loans; full-service restaurant, 58 loans; gas station and truck stop, 49 loans. Another 256 loans credited to United Business Bank fall outside all of those classes. United Business Bank's 614 loans: a slice sits in named classes. United Business Bank holds 82 in limited-service restaurant. United Business Bank loans lead, by state, in California, 533 loans; Washington, 26 loans; Nevada, 14 loans. United Business Bank's sample for California sites is 533 loans. United Business Bank's counts are a map only.

United Business Bank: cancellations and charge-offs

8.3% of United Business Bank approvals, FY2017 to FY2024, were cancelled. For United Business Bank, 8.3% is a floor. United Business Bank's floor stops at FY2024 approvals. For United Business Bank, 8.3% is the ceiling. The United Business Bank ceiling counts undisbursed loans as cancelled. United Business Bank: rates match, so the floor stands. United Business Bank: the cohort runs FY2017 to FY2021. United Business Bank's cohort holds 488 disbursed loans. 2.9% of United Business Bank loans are charged off to date. For United Business Bank, 2.9% is a floor. United Business Bank: the two rates cover different loans. United Business Bank: 1.6% charged off within 5 years.

United Business Bank: testing a project

United Business Bank holds 614 recorded loans, $653.3 million in all. At United Business Bank, demand comes first: who pays? For United Business Bank, cost is second; 614 loans do not replace a quote. For United Business Bank, third is debt service coverage. United Business Bank: 2.9% and 8.3% are floors. At United Business Bank, the appraisal comes last: 614 loans cannot set your value. United Business Bank's record cannot settle cost. Here United Business Bank is a holder, not a verdict. United Business Bank's 614 loans state nothing about its requirements. Ask United Business Bank directly. Test first, then compare with United Business Bank's 614 loans. Ask United Business Bank what a complete study contains.

SBA loans held by United Business Bank

SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).

7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.

Loans approved, FY2017 to FY2026	614
Gross dollars approved	$653.3 million
SBA 7(a) loans	614
SBA 504 loans	0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	8.3%
The same, counting loans still undisbursed as cancelled (a ceiling)	8.3%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	2.9%
Charged off within five years of approval	1.6%
Loans in that cohort	488

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

Loans by asset class

Asset class	Loans
Not in any of the 39 asset classes	256
Limited-service restaurant	82
Full-service restaurant	58
Gas station and truck stop	49
Coffee shop and snack bar	26
Liquor store	25
Hotel and motel	24
Grocery store	23
Car wash	16
Nonresidential lessor (flex, office and retail investor buildings)	9
Child care center	9
Automotive mechanical repair (car and truck)	8
Assisted living (without nursing care)	5

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Loans by project state

State or area	Loans
California	533
Washington	26
Nevada	14
Colorado	13
Texas	5

States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-57716.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by United Business Bank or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

United Business Bank: SBA Lending Record