Union Bank and Trust Company
Headquartered in LINCOLN, NE. Analysis based on 306 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $129.8M.
Total 7(a) loans
306
Total approved
$129.8M
Average loan
$424K
States funded in
13
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
23.94%
Average rate
7.14%
Average term
126 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722515 | Snack and Nonalcoholic Beverage Bars | 16 |
| 722511 | Full-Service Restaurants | 14 |
| 238990 | All Other Specialty Trade Contractors | 11 |
| 445291 | Baked Goods Stores | 9 |
| 722513 | Limited-Service Restaurants | 8 |
| 713940 | Fitness and Recreational Sports Centers | 8 |
| 621610 | Home Health Care Services | 7 |
| 611620 | Sports and Recreation Instruction | 6 |
| 236118 | Residential Remodelers | 6 |
| 541990 | All Other Professional, Scientific, and Technical Services | 5 |
Top 10 states
| State | Loans |
|---|---|
| NE | 259 |
| MO | 8 |
| IA | 8 |
| CO | 7 |
| MN | 6 |
| KS | 5 |
| AZ | 3 |
| FL | 2 |
| TX | 2 |
| TN | 2 |
Top franchise brands financed
55 franchise loans across 25 distinct brands.
| Franchise | Loans |
|---|---|
| Scooter's Coffee | 11 |
| Legato Living | 5 |
| A Place At Home | 5 |
| Scissors & Scotch | 4 |
| Dairy Queen Operating Agreemen | 3 |
| Jimmy John's | 3 |
| GolfTRK | 2 |
| Swimtastic Swim School | 2 |
| H&R Block - Franchise License | 2 |
| Brain Balance | 2 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.