United Community Bank
Headquartered in Greenville, SC. Analysis based on 1,183 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $962.3M.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
United Community Bank ranks #13 by charge-off rate (0.46%).
Total 7(a) loans
1,183
Total approved
$962.3M
Average loan
$813K
States funded in
42
Charge-off rate
0.46%
FY2020–FY2023 cohort
Paid-in-full rate
27.57%
Average rate
7.48%
Average term
157 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 108 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 103 |
| 621210 | Offices of Dentists | 89 |
| 561431 | Private Mail Centers | 56 |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 54 |
| 713940 | Fitness and Recreational Sports Centers | 52 |
| 541940 | Veterinary Services | 50 |
| 722511 | Full-Service Restaurants | 46 |
| 722410 | Drinking Places (Alcoholic Beverages) | 36 |
| 812910 | Pet Care (except Veterinary) Services | 31 |
Top 10 states
| State | Loans |
|---|---|
| GA | 198 |
| FL | 171 |
| NC | 135 |
| TX | 124 |
| SC | 92 |
| TN | 44 |
| IL | 42 |
| AL | 41 |
| CA | 37 |
| CO | 30 |
Top franchise brands financed
531 franchise loans across 157 distinct brands.
| Franchise | Loans |
|---|---|
| The UPS Store (f/k/a Mail Box | 54 |
| Bruster's Real Ice Cream | 30 |
| Domino's | 23 |
| American Family Care/AFC Urgen | 16 |
| Jersey Mike's | 15 |
| Clean Eatz | 13 |
| Tropical Smoothie Cafe | 13 |
| Crumbl | 12 |
| Eggs Up Grill | 11 |
| The Joint...The Chiropractic P | 10 |
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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.