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SBA Lending

SBA loans for your small business.

Giving your business a name. Opening the door on the first day. Welcoming in your very first customer.

Every part of opening a small business is personal—and the financing should be no different. With United, you can get the financing that makes the most sense for your business, with a lending partner who cares deeply about its success.
 


Dental SBA Lending

Show us your biggest and brightest smile. You’re going to need it when you hear about our dedicated lending options for your dental business.
Dental SBA Lending

Medical SBA Lending

A lot of hard work goes into medical, but your loan doesn’t need to hold up the line. Keep things moving by joining the community.
Medical SBA Lending

Pharmacy SBA Lending

You're at the heart of your community, and we invite you to join ours to gain access to the lending assistance your pharmacy needs.
Pharmacy SBA Lending

Veterinary SBA Lending

Whether you specialize in pocket pets, exotics or human’s best friend, rest assured, we specialize in finding lending solutions for you. We make the lending process simple and speedy so that you can get back to your patients faster.
Veterinary SBA Lending

Franchise SBA Lending

The hardest part about starting or growing your franchise is acquiring the assets to take the next step. Let’s take it together.
Franchise SBA Lending

504 SBA Lending

Have a larger, more established business? Access affordable long-term capital and up to 90% fixed interest rate financing with our SBA 504 programs.
504 SBA Lending

The right financial solution for your business.

Your business exists because of your unique dream—and your ability to never give up on it. Your financing should be just as personal. We’re a nationwide SBA lender, which gives us the ability to offer flexible and creative financing solutions for businesses in a wide variety of industries. When you partner with us for your SBA loan, you’ll benefit from:

Personalized Support

We’ll work hand in hand with you every step of the way. We don’t compromise on service, which is why we’re committed to remaining your direct lender.

Fast Approvals

Your business is waiting, and we won’t stand in the way. We’re dedicated to approving loans in a fast and timely manner.

Tailored Expertise

Experts that don’t know your field won’t make much of a difference. That’s why we’ve built a team with a wide breadth of knowledge and experience with almost every type of business.

Competitive Rates

Money matters. We want the best for your business, and we strive to offer you the most competitive rates possible.

Find a SBA Lender by State

Jason Sleeman

SVP - SBA Business Development Officer

Nate Banchiere

VP - SBA Business Development Officer

Michelle Barnett

VP - SBA Business Development Officer

Matt Williams

SVP - SBA Business Development Officer I

Brian Hill

VP - SBA Business Development Officer II

Donna Lewis

VP - SBA Business Development Officer II

Jeannie Yoder

SBA Regional Executive

Ed Randall

SBA Business Development Officer II

Vanessa Grimaldi

SBA Business Development Officer II

Connect with a SBA lending specialist to get started.

Frequently Asked Questions for SBA Lending

The U.S. Small Business Administration (SBA) is a federal agency that assists in financing new business and helps existing businesses grow and flourish.  An SBA loan is a small business loan provided by a financial institution and guaranteed by the SBA.  The SBA guarantee gives the financial institution more incentive to loan money to small businesses that might not normally qualify for a traditional commercial loan.
 
PLP (Preferred Lender Program) status is the most desirable accreditation a lender can receive.  United Community is a SBA Preferred Lender which means we can offer the full range of SBA loan products, and have the authority to make final credit decisions on behalf of the SBA.  In contrast, non-preferred lenders must submit a full application to the SBA for approval, which makes the process longer.
The advantages of obtaining a SBA loan from a SBA Preferred Lender include faster loan processing times and improved chances of approval.  Preferred Lenders have a proven track record of getting small business owners the funds they need in a timely manner.
Through the SBA 7(a) and 504 loan programs, small businesses can obtain a loan for a variety of needs including:
  1. Ground-up construction;
  2. Purchase of real estate and/or leasehold improvements;
  3. Purchase inventory, equipment, furniture and fixtures;
  4. Refinance debt
  5. Start-up a business
  6. Acquire another business
  7. Finance a franchise
The entire SBA loan process generally takes 60 to 90 days due to the high volume of paperwork and documentation that you need to provide.
General documents required, but not limited to, for SBA loans are:
  1. 3-years Personal and Business Tax Returns in pdf format
  2. Formulated Business Plan
  3. Personal Financial Statement
  4. Driver’s License
  5. Bank Statements
  6. Business License and Entity Documentation
  7. Current Balance Sheet, Profit & Loss and Debt Schedules
An equity injection is an investment of funds borrowers contribute into their business before being granted a government guaranteed loan. It essentially functions as a down payment and is typically 10% for a SBA loan. Types of equity injection include:
  1. Cash and personal assets
  2. Investments or gifts
  3. Business assets
  4. Seller or third-party debt on full standby
  5. Combining two types of Seller debt for equity
To qualify for a SBA loan, some basic requirements are:
  • Operate for profit
  • Be a U.S. Citizen or permanent legal resident
  • Show profitable projections for start-up or expansion of a business
  • Demonstrate reasonable equity to invest
For additional information, go to: Am I eligible?
 
Contact one of our specialized SBA Lenders on this page or call 1-888-987-5884.
 

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