UniBank
Headquartered in LYNNWOOD, WA. Analysis based on 184 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $186.9M.
Total 7(a) loans
184
Total approved
$186.9M
Average loan
$1.0M
States funded in
29
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
51.63%
Average rate
5.88%
Average term
167 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 454210 | Vending Machine Operators | 79 |
| 447110 | Gasoline Stations with Convenience Stores | 21 |
| 722511 | Full-Service Restaurants | 15 |
| 722513 | Limited-Service Restaurants | 13 |
| 721110 | Hotels (except Casino Hotels) and Motels | 10 |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 8 |
| 441120 | Used Car Dealers | 2 |
| 811192 | Car Washes | 2 |
| 445120 | Convenience Stores | 2 |
| 337110 | Wood Kitchen Cabinet and Countertop Manufacturing | 1 |
Top 10 states
| State | Loans |
|---|---|
| WA | 77 |
| TX | 17 |
| CA | 14 |
| GA | 13 |
| FL | 7 |
| OR | 6 |
| AL | 5 |
| ID | 4 |
| IL | 4 |
| VA | 3 |
Top franchise brands financed
110 franchise loans across 21 distinct brands.
| Franchise | Loans |
|---|---|
| WaterStation | 79 |
| Chevron - Retail Supply Contra | 4 |
| Jackson Food Stores, Inc. (Exx | 4 |
| Howard Johnson by Wyndham | 2 |
| Wilson Oil, Inc. Contract of S | 2 |
| Sun Pacific Energy Inc - Shel | 2 |
| Phillips 66 Branded Reseller A | 2 |
| Christensen Inc. dba Powell Pr | 2 |
| Tous Les Jours | 1 |
| Quality Inn by Choice Hotels / | 1 |
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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.