Univest Bank and Trust Co in SBA data

Univest Bank and Trust Co appears in SBA's files with 348 loans and $241.8 million in gross approvals over the FY2017 to FY2026 window. Every one is SBA 7(a), none SBA 504, and the file names PA for Univest Bank and Trust Co. These are loans that SBA shows Univest Bank and Trust Co holding now or last, with the guarantee SBA's. The file credits each 7(a) loan to its latest holder.

Pennsylvania and two neighbours

Pennsylvania has 268 loans, Maryland 35 and New Jersey 35. Class detail is missing for 232 of the 348. Limited-service restaurants lead the rest with 20, full-service restaurant has 18, the fitness center 16, beverage manufacturing 13 and child care 11.

Cancellations and charge-offs

Cancelled share, FY2017 to FY2024 approvals: 15.7% minimum. 18.5% maximum, with undisbursed loans counted as cancelled. 85 loans funded in FY2017 to FY2021 show 7.1% as a charge-off floor. The rate charged off within five years does not appear by our own threshold, as too few loans lie behind it, so it is not a zero. Neither rate is final while loans stay open.

What a borrower should test

A limited-service restaurant study should examine counter and drive-through sales, ticket size and labour margin. A fitness center study should test membership depth, churn and build-out cost. A beverage study has to test capacity, distribution and tasting-room revenue. A child care study should test licensed capacity and staffing ratios. A project in Pennsylvania is closest to the file; a project in Maryland or New Jersey has 35 loans of local precedent each. With 232 loans outside every named class, other property types must bring their own evidence, and every study should end in debt service coverage under two sets of assumptions and a value that an appraiser can support.

The weight of a small cohort

The 7.1% charge-off floor rests on 85 loans, so it moves sharply with each loan. The cancellation range of 15.7% to 18.5% rests on more approvals and is the sturdier figure. Between them, they describe 348 loans and $241.8 million held by Univest Bank and Trust Co, as SBA reports them. A borrower should not read either as the odds on a new request, and should let the study carry the evidence.

SBA loans held by Univest Bank and Trust Co

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	348
Gross dollars approved	$241.8 million
SBA 7(a) loans	348
SBA 504 loans	0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	15.7%
The same, counting loans still undisbursed as cancelled (a ceiling)	18.5%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	7.1%
Charged off within five years of approval	withheld
Loans in that cohort	85

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	232
Limited-service restaurant	20
Full-service restaurant	18
Fitness center	16
Beverage manufacturing (breweries, wineries, distilleries)	13
Child care center	11
Beauty salon	10

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
Pennsylvania	268
Maryland	35
New Jersey	35

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-7759.

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 Univest Bank and Trust Co or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

Univest Bank and Trust Co: SBA Lending Record