Univest Bank and Trust Co
Headquartered in Souderton, PA. Analysis based on 240 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $178.6M.
Total 7(a) loans
240
Total approved
$178.6M
Average loan
$744K
States funded in
4
Charge-off rate
0.91%
FY2020–FY2023 cohort
Paid-in-full rate
18.18%
Average rate
9.19%
Average term
152 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 14 |
| 722511 | Full-Service Restaurants | 13 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 13 |
| 713940 | Fitness and Recreational Sports Centers | 10 |
| 541330 | Engineering Services | 8 |
| 238210 | Electrical Contractors | 6 |
| 713910 | Golf Courses and Country Clubs | 6 |
| 812910 | Pet Care (except Veterinary) Services | 6 |
| 312130 | Wineries | 5 |
| 445291 | Baked Goods Stores | 5 |
Top 10 states
| State | Loans |
|---|---|
| PA | 176 |
| MD | 29 |
| NJ | 28 |
| DE | 7 |
Top franchise brands financed
27 franchise loans across 19 distinct brands.
| Franchise | Loans |
|---|---|
| One Hour Air Conditioning & He | 3 |
| redbox+ | 3 |
| KidStrong | 2 |
| Budget Blinds | 2 |
| The Back Nine | 2 |
| Save-A-Lot Food Stores- Licens | 2 |
| Hyper Kidz | 1 |
| Conserva Irrigation | 1 |
| Manhattan Bagel | 1 |
| Mr. Handyman | 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.