Lender · SBA 7(a) record
Univest Bank and Trust Co
PA · lends in 4 states · 479 SBA loans since 2010, 165 in the last five years.
How fast they approve. Univest Bank and Trust Co made 78% of its recent SBA 7(a) loans under Preferred Lender (PLP) authority — it can approve them in-house without sending your file to the SBA to re-underwrite, which is the biggest single driver of how fast a loan closes. Why approval speed comes down to the lender.
What stands out about Univest Bank and Trust Co
vs every other SBA lenderIt leans into one industry. 11% of Univest Bank and Trust Co's loans go to fitness and recreational sports centers — roughly 4× the share you would expect, so it clearly knows that business.
Regional, not national. 71% of Univest Bank and Trust Co's recent SBA lending is in Pennsylvania. A borrower outside Pennsylvania is not its usual customer.
Univest Bank and Trust Co is startup-heavy. 45% of its loans are startups, well above the norm — a good sign if that is your deal.
This read is built from 165 funded 7(a) loans over the last five fiscal years; outside its core states the sample thins out, so weigh the rest accordingly.
Will they talk to you?
loan sizes fundedThe spread of loan sizes tells you where this lender is comfortable. Ask for something far outside it and expect friction.
Do they fund businesses like yours?
last 5 yearsA lender who already knows your industry asks better questions and closes faster. One who doesn't will treat your file as an education.
Middle of the road on risk
1.96% charged off, close to the 2.11% across all SBA lending. Neither unusually tight nor unusually loose.
What rate people got
median markup over primeThe median borrower here paid prime + 2.46%. Compare that against what you have been quoted — the markup is the negotiable part, and most borrowers never try.
Their loans, year by year
cumulative % of dollars charged off| Approved | Yr 1 | Yr 2 | Yr 3 | Yr 4 | Yr 5 | Yr 6 | Yr 7 | Yr 8 | Yr 9 | Yr 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| 2010 | 0.0 | 0.0 | 0.0 | 0.5 | 1.1 | 1.1 | 2.8 | 3.5 | 3.5 | 3.5 |
| 2011 | 0.0 | 0.0 | 1.0 | 2.3 | 3.5 | 3.9 | 3.9 | 5.4 | 5.4 | 5.4 |
| 2012 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2013 | 0.0 | 0.0 | 0.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 |
| 2014 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2019 | 0.0 | 0.0 | 0.0 | 0.0 | 0.2 | 1.8 | · | · | · | · |
| 2021 | 0.0 | 0.0 | 0.7 | 0.7 | · | · | · | · | · | · |
| 2022 | 0.0 | 0.0 | 0.0 | · | · | · | · | · | · | · |
| 2023 | 0.0 | 0.0 | · | · | · | · | · | · | · | · |
| 2024 | 0.0 | · | · | · | · | · | · | · | · | · |
| 2025 | · | · | · | · | · | · | · | · | · | · |
Each row is one year's lending. Read down a column to compare years at the same age — that is the only fair comparison, because losses take three to five years to appear and a fast-growing lender always looks clean on a raw average.
What this page cannot tell you
Federal records show what was approved, not how long it took, how the bank communicated, or whether your loan officer returned calls. Ask any lender directly: are you a preferred lender, how many deals like mine did you close last year, and who underwrites it.
Check your eligibility first → Decode what they say to you →
Lenders worth comparing against this one
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Common questions
Does Univest Bank and Trust Co make SBA startup and acquisition loans?
Yes — its recent SBA 7(a) record includes 58 startups, 28 commercial real-estate loans, 24 franchise loans, 18 business acquisitions. If your deal is one of these, it has funded that kind of loan many times before. See how it ranks for your exact deal.
What is the smallest SBA loan Univest Bank and Trust Co will make?
Its practical minimum — the 5th percentile of what it has actually funded — is about $50,000, and the typical (median) Univest Bank and Trust Co loan is $350,000. If your loan is well below its practical minimum, it is unlikely to be interested however strong your file.
What interest rate do Univest Bank and Trust Co SBA borrowers get?
On variable-rate loans, recent Univest Bank and Trust Co borrowers paid a median of prime + 2.46%. The markup over prime is the negotiable part of any SBA quote. Check a rate you have been quoted.
What states does Univest Bank and Trust Co lend in?
Most of Univest Bank and Trust Co's recent SBA lending is concentrated in Pennsylvania, Maryland, New Jersey, among 4 states in total. Compare lenders by state.