Unity Bank
Headquartered in CLINTON, NJ. Analysis based on 126 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $139.2M.
Total 7(a) loans
126
Total approved
$139.2M
Average loan
$1.1M
States funded in
7
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
28.57%
Average rate
7.29%
Average term
215 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 21 |
| 713940 | Fitness and Recreational Sports Centers | 8 |
| 722513 | Limited-Service Restaurants | 6 |
| 721110 | Hotels (except Casino Hotels) and Motels | 6 |
| 722410 | Drinking Places (Alcoholic Beverages) | 5 |
| 812112 | Beauty Salons | 4 |
| 445310 | Beer, Wine, and Liquor Stores | 3 |
| 812910 | Pet Care (except Veterinary) Services | 3 |
| 444130 | Hardware Stores | 3 |
| 484121 | General Freight Trucking, Long Distance, Truckload | 2 |
Top 10 states
| State | Loans |
|---|---|
| NJ | 85 |
| NY | 13 |
| MN | 13 |
| PA | 12 |
| DE | 1 |
| WI | 1 |
| MT | 1 |
Top franchise brands financed
15 franchise loans across 10 distinct brands.
| Franchise | Loans |
|---|---|
| Alpha Fit Club | 3 |
| K-9 Resorts Daycare & Luxury H | 3 |
| Jersey Mike's | 2 |
| CARD$MART | 1 |
| Prose | 1 |
| DQ Grill & Chill Operating Agr | 1 |
| The Learning Experience | 1 |
| Motel 6 | 1 |
| Powerhouse Gym | 1 |
| The UPS Store (f/k/a Mail Box | 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.