UniBank
UniBank is an active SBA lender in Washington, a bank offering SBA-guaranteed small-business loans. Currently rated 3.6 stars across 9 Google reviews.
$504M
in SBA approvals since 2010
509
SBA loans funded
Hotels & Lodging · Gas Stations & Convenience · General Retail
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About UniBank
UniBank offers comprehensive SBA lending solutions tailored to small businesses seeking financial support for growth, expansion, or operational needs. As a trusted commercial bank, it provides access to various SBA programs including the 7(a) loan program, which is ideal for a wide range of business purposes such as working capital, equipment purchase, or real estate acquisition. The bank's experienced lending team works closely with clients to customize loan packages that meet their unique needs, ensuring a smooth application process and competitive terms. With a focus on community development and small business success, UniBank supports entrepreneurs across diverse industries, providing flexible financing options and expert guidance throughout the lending journey. Whether you're a startup or an established business, UniBank is committed to helping you achieve your goals through personalized service and reliable funding solutions.
Serves SBA borrowers in 8 states
UniBank has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries UniBank finances
Business types UniBank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about UniBank
What is this place and what can I find here?
This is a community-focused commercial bank offering SBA lending programs designed to support small businesses. You can find various financing options, personalized banking services, and expert guidance to help your business grow.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome during business hours. Contact the branch beforehand for the best experience.
What are the hours of operation?
UniBank operates Monday through Friday from 9 AM to 5 PM. Please confirm current hours with the branch.
Is there a fee to use this?
There are no fees to access basic banking services, but specific loan applications and services may involve fees disclosed during the application process.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small business clients within its regional area, but SBA loan programs are available to qualified applicants nationwide.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 640 is typically needed, though higher scores improve the likelihood of approval and favorable terms.
How long does the traditional underwriting process take from start to close?
The underwriting process generally takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.
Is this open on weekends?
UniBank branches are closed on weekends; they operate only Monday through Friday.
How do I get there and where do I park?
UniBank is located in Washington — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.
Who owns or operates this listing?
This page is an independent directory listing for UniBank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by UniBank itself, which runs its own lending under its own ownership. If you work at UniBank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for UniBank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with UniBank before applying. If you represent UniBank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach UniBank by phone at (425) 275-9700 or online at unibankusa.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with UniBank before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, UniBank most often finances businesses in general retail, restaurants & food service, gas stations & convenience, hotels & lodging, medical practices & clinics, and pharmacy & medical retail. This reflects UniBank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with UniBank which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether UniBank participates in SBA Express depends on its specific SBA lending authority. Contact UniBank and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. UniBank can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. UniBank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask UniBank directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask UniBank what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask UniBank to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with UniBank to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. UniBank weighs this case by case under its own policy, so be upfront about your history and ask UniBank how it evaluates prior bankruptcies.
