United Bank
United Bank is an active SBA lender in Virginia, a bank offering SBA-guaranteed small-business loans. Currently rated 4.3 stars across 28 Google reviews.
$441M
in SBA approvals since 2010
581
SBA loans funded
Hotels & Lodging · Manufacturing · Restaurants & Food Service
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About United Bank
United Bank offers comprehensive SBA lending services tailored to meet the needs of small and medium-sized businesses. With a focus on supporting business growth, the bank provides various loan options, including the popular SBA 7(a) program, which helps entrepreneurs secure funding for expansion, working capital, or equipment purchases. Located at 11185 Fairfax Blvd in Fairfax, VA, the bank leverages its extensive experience to guide clients through the loan process, ensuring clarity and efficiency. Their team is dedicated to helping businesses access the capital they need to succeed, offering personalized service and expert advice. Whether you're a startup or an established enterprise, United Bank's SBA programs are designed to facilitate your growth ambitions with flexible terms and competitive rates. The bank's commitment to small business success is reflected in their support for a wide range of industries, with particular strength in commercial real estate and construction projects. They understand the local market and are ready to assist clients across Virginia and beyond, making them a trusted partner for business financing needs.
Serves SBA borrowers in 9 states
United Bank has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries United Bank finances
Business types United Bank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about United Bank
What is this place and what can I find here?
This is a commercial bank offering SBA loan programs and business banking services designed to help small and medium-sized businesses grow and succeed. You can find personalized financial solutions, expert guidance, and access to funding options tailored to your business needs.
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 bank beforehand to confirm availability and specific requirements.
What are the hours of operation?
United Bank's Fairfax Main branch is open Monday–Thursday 9:00 AM–5:00 PM, Friday 9:00 AM–6:00 PM, and Saturday 9:00 AM–12:00 PM (closed Sunday). Please confirm current hours directly with the branch.
Is there a fee to use this?
There are no fees for visiting the bank; however, loan applications and certain services may involve fees or interest charges. Consult with a banking representative for detailed fee information.
Who is this open to — anyone, or only residents/members?
This bank primarily serves residents and businesses within its regional area, but they welcome clients from broader locations who meet their lending criteria.
What minimum personal credit score does this bank look for in a guarantor?
The minimum personal credit score typically required is 620, but higher scores improve the chances 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 45 days, depending on the complexity of the loan and completeness of documentation.
Is this open on weekends?
United Bank's Fairfax Main branch is open Saturday 9:00 AM–12:00 PM and closed Sunday. For weekend SBA lending availability, contact the branch directly.
How do I get there and where do I park?
United Bank is located in Virginia — 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 United Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by United Bank itself, which runs its own lending under its own ownership. If you work at United Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for United Bank — 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 United Bank before applying. If you represent United Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
United Bank's Fairfax Main branch manager is Mai Huong Quach; email her at maihuong.quach@bankwithunited.com or call 703.219.4850. Confirm current contact methods with the bank.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, United Bank most often finances businesses in restaurants & food service, general retail, manufacturing, medical practices & clinics, construction & contractors, and automotive repair & services. This reflects United Bank'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 United Bank 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 United Bank participates in SBA Express depends on its specific SBA lending authority. Contact United Bank 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. United Bank 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. United Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask United Bank 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 United Bank 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 United Bank 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 United Bank 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. United Bank weighs this case by case under its own policy, so be upfront about your history and ask United Bank how it evaluates prior bankruptcies.
