United Business Bank
United Business Bank is an active SBA lender in California, a bank offering SBA-guaranteed small-business loans. Currently rated 3.2 stars across 5 Google reviews.
$1.6B
in SBA approvals since 2010
1,659
SBA loans funded
Hotels & Lodging · Gas Stations & Convenience · Restaurants & Food Service
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About United Business Bank
United Business Bank offers comprehensive SBA lending solutions tailored to meet the needs of small and medium-sized businesses. With a focus on supporting business growth, the bank provides various loan programs including the SBA 7(a) and 504 loans, which are ideal for funding expansion, equipment purchases, or working capital. Their experienced team guides clients through the application process, ensuring a smooth experience from start to finish. Located in Walnut Creek, California, the bank serves a diverse client base across the region, emphasizing personalized service and flexible financing options. Whether you're a startup or an established enterprise, United Business Bank is committed to helping your business succeed with competitive rates and dedicated support. Their expertise in SBA lending ensures that clients receive tailored financial solutions that align with their growth objectives and financial capabilities. The bank's strategic focus on small business finance makes it a reliable partner for entrepreneurs seeking reliable funding channels. Their commitment to community development and small business growth underscores their reputation as a trusted financial institution in Northern California.
Serves SBA borrowers in 8 states
United Business Bank has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries United Business Bank finances
Business types United Business Bank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about United Business Bank
What is this place and what can I find here?
This is a financial institution offering SBA loan programs and business financing solutions to support small and medium-sized enterprises in the region.
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 accommodated during business hours.
What are the hours of operation?
United Business Bank's client support team operates Monday through Friday, 7:30 AM to 5:00 PM PST. Confirm current hours directly with the bank.
Is there a fee to use this?
There are no fees to visit or consult; however, standard loan application and processing fees may apply for financing services.
Who is this open to — anyone, or only residents/members?
The bank primarily serves small business owners and entrepreneurs within the region, but eligibility is open to qualified applicants meeting their lending criteria.
What minimum personal credit score does this bank look for in a guarantor?
Typically, a minimum personal credit score of 650 is preferred, though higher scores improve approval chances.
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?
Most banks keep weekday business hours and are closed on weekends, and United Business Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call United Business Bank to confirm current weekend availability before you go.
How do I get there and where do I park?
United Business Bank is located in California — 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 Business Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by United Business Bank itself, which runs its own lending under its own ownership. If you work at United Business 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 Business 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 Business Bank before applying. If you represent United Business Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach United Business Bank by phone at (925) 476-1880 or online at unitedbusinessbank.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 United Business Bank before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, United Business Bank most often finances businesses in restaurants & food service, general retail, hotels & lodging, manufacturing, gas stations & convenience, and wholesale & distribution. This reflects United Business 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 Business 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 Business Bank participates in SBA Express depends on its specific SBA lending authority. Contact United Business 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 Business 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 Business Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask United Business 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 Business 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 Business 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 Business 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 Business Bank weighs this case by case under its own policy, so be upfront about your history and ask United Business Bank how it evaluates prior bankruptcies.
