# Union Bank & Trust (SBA lending)

The Nebraska champion that explains the loan.

Nebraska's number one change-of-ownership book in the FOIA loan file, 51 loans across six years and over a fifth of the state's whole count, from a Preferred Lender making in-house credit decisions whose own learning-center article walks the 7(a) with real figures. Acquisition is named as a use, down payments run as low as 10%, and the program maximums are stated. Locations across Nebraska and parts of Kansas and Colorado.

- Category: SBA & Acquisition Lenders
- Pricing model: Custom Pricing
- Where it fits: Set Up & Fund the Search, Diligence & Close the Deal
- Website: https://www.ubt.com/business/loans-lines-credit/small-business-admin-loans

## At a Glance

Nebraska in one row: a fifth of the state's book at one [Preferred Lender](https://searchspheresource.com/glossary/preferred-lender-program) 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.

## What It Costs

Loan products; no fee to engage. The product page quantifies nothing, but its own learning-center article states what most desks hide. It names the 7(a) as usable for acquiring an existing business, down payments as low as 10%, and terms to 25 years on real estate and 10 on equipment. The maximums are $5 million standard, $350,000 small-loan and $500,000 Express. The FOIA loan file 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

## Pros and Cons

- Pro: First in Nebraska's [change-of-ownership](https://searchspheresource.com/glossary/change-of-ownership) top five in the FOIA loan file, with over a fifth of the state's whole six-year book
- Pro: A Preferred SBA Lender by its own page, making in-house credit decisions rather than routing files to an SBA office
- Pro: Its own article names acquisition as a [7(a)](https://searchspheresource.com/glossary/sba-7a) use and states the figures most pages hide, down payments as low as 10% and the program maximums
- Pro: Nebraska's median acquisition loan runs $375,000 in the FOIA loan file, and this is the deepest desk in exactly that smaller-deal market
- Con: The product page itself quantifies nothing; the figures live in a learning-center article, educational copy rather than a commitment
- Con: Locations in Nebraska and parts of Kansas and Colorado, with no stated lending area beyond them
- Con: No Searchfunder or Reddit thread discusses the lender, so there is no practitioner account of how it handles a [search-fund](https://searchspheresource.com/glossary/search-fund) file
- Con: 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. The FOIA loan file independently places it first in Nebraska with 51 of the state's 243 change-of-ownership loans across the file's six years.

## Sources

- https://www.ubt.com/business/loans-lines-credit/small-business-admin-loans
- https://www.ubt.com/learning-center/blogs/sba-loans-whats-right-my-business
- https://searchspheresource.com/data/acquisition-lending

Also on this site: https://searchspheresource.com/resources/category/lender.md
Source: https://searchspheresource.com/resources/union-bank-trust
Last checked: 2026-08-08

Site index for machines: https://searchspheresource.com/llms.txt