Union Bank & Trust (SBA lending)
At a Glance
Nebraska in one row: a fifth of the state's book at one Preferred Lender that also bothers to explain the program with real figures. In its footprint, start here beside the national names and bring the article's own numbers to the first call.
- Pricing
- Custom Pricing, Loan products; no fee to engage. The product page quantifies nothing, but its own learning-center article states what most desks hide: the 7(a) usable for acquiring an existing business, down payments as low as 10%, terms to 25 years on real estate and 10 on equipment, and the maximums, $5 million standard, $350,000 small-loan, $500,000 Express. Our FOIA computation places it first in Nebraska's change-of-ownership top five with 51 loans across the file's six years, over a fifth of the state's 243, in a state whose median acquisition loan is $375,000.
- Best For
- Buyers in Nebraska and its Kansas and Colorado footprint who want the state's deepest acquisition book, including at deal sizes the national names' averages run past
- Type
- Bank (lends directly)
- Footprint
- Locations across Nebraska and parts of Kansas and Colorado; no stated lending area beyond them.
- Deal Size
- $500k to $5M.
- Searcher Practice
- A general SBA lending desk, branch-driven.
- Published Terms
- Its own article states down payments as low as 10%, terms to 25 years on real estate, and the 7(a) maximums; the product page itself quantifies nothing.
- Roadmap Stages
- 2. Set Up & Fund the Search5. Diligence & Close the Deal
Pros and Cons
Pros
- First in Nebraska's change-of-ownership top five in our file, with over a fifth of the state's whole six-year book
- A Preferred SBA Lender by its own page, making in-house credit decisions rather than routing files to an SBA office
- Its own article names acquisition as a 7(a) use and states the figures most pages hide, down payments as low as 10% and the program maximums
- Nebraska's median acquisition loan runs $375,000 in our file, and this is the deepest desk in exactly that smaller-deal market
Cons
- The product page itself quantifies nothing; the figures live in a learning-center article, educational copy rather than a commitment
- Locations in Nebraska and parts of Kansas and Colorado, with no stated lending area beyond them
- No searcher-community footprint we could verify, so there is no practitioner account of how it handles a search-fund file
- A generalist small-business desk rather than a dedicated acquisition team; the article is the depth of its published acquisition thinking
What Searchers Say
The Preferred Lender status, in-house credit decisions, and the Nebraska, Kansas, and Colorado locations are its own pages'; the acquisition use, the 10% floor, and the program maximums are its own learning-center article's, under a named author. Our FOIA computation independently places it first in Nebraska with 51 of the state's 243 change-of-ownership loans across the file's six years.
How to Approach
Union Bank & Trust (SBA lending) is a bank, so this is how that kind of lender comes in, what it weighs, and how to arrive ready.
The Typical Arc
- A prequalification on you and the target, often from the first email.
- A full application and the bank's own underwrite of the deal.
- A term sheet, then closing on the SBA's timeline, commonly two to four months.
What It Weighs
- Whether the business's cash flow covers the debt with room to spare.
- Your experience relative to the business you are buying.
- Your equity injection and how clean the financials are.
How to Prepare
- Model the payment and coverage before you call. SBA Acquisition Calculator
- Underwrite the specific deal end to end. Underwrite a Deal
- Show where every dollar comes from and goes. Sources & Uses Builder
Put It to Work
Lender Match puts this lender beside the others, filtered by your deal.