# United Midwest Savings Bank (SBA lending)

SBA lending by industry desk, practice deals first.

An Ohio bank running a nationwide SBA and USDA practice organized as industry desks with named lenders per vertical: medical, dental, veterinary, optometry, insurance agencies, accounting and tax firms, funeral homes, and hospitality. Buying an existing practice is named as the errand its page is built around.

- Category: SBA & Acquisition Lenders
- Pricing model: Custom Pricing
- Where it fits: Set Up & Fund the Search, Diligence & Close the Deal
- Website: https://www.umwsb.com/business-lending/sba-loans-over-150k

## At a Glance

The vertical-desk structure is the draw: a buyer of a dental, veterinary, insurance, accounting, or funeral business gets a lender whose desk does that deal all day, which is worth more than a rate sheet nobody publishes anyway.

## What It Costs

Loan products; no fee to engage. The bank splits its program at $150,000, with a streamlined small-loan track below and the commercial SBA team above. The FOIA loan file shows 90 change-of-ownership 7(a) loans totaling $82.5M in FY2025, averaging near $916k at an 8.29% average initial rate, and 553 such loans across the file's six years.

## Best For

Practice acquisitions in its named verticals, where the desk that answers has seen your kind of deal before, and smaller acquisitions that fit the streamlined under-$150k track

## Pros and Cons

- Pro: Industry desks with named lenders for the practice trades a [searcher](https://searchspheresource.com/glossary/searcher) actually shortlists: dental, veterinary, optometry, insurance, accounting, funeral
- Pro: Calls its accounting team a nationwide leader in financing accounting and tax firm acquisitions, on its own page
- Pro: One of the twenty most active acquisition lenders in the FOIA loan file, with 553 [change-of-ownership](https://searchspheresource.com/glossary/change-of-ownership) loans across six years
- Pro: A streamlined program under $150k for the small deals bigger desks skip
- Con: Publishes no rates and no state list; the nationwide claim is per-vertical rather than blanket
- Con: Average acquisition loan near $916k in the FOIA loan file, so the very largest deals may be better shopped to the $5M-ceiling specialists
- Con: Little searcher-community commentary to weigh against its own claims

## What Searchers Say

The vertical claims are the bank's own; the FOIA loan file independently confirms the volume. Its loans lead six states' top-fives in the FOIA loan file, consistent with a nationwide book built through industry channels rather than branches.

## Compared With

- The cheapest rates in four states, or the desk that knows your industry? (https://searchspheresource.com/resources/compare/first-financial-bank-vs-united-midwest.md)

## Sources

- https://www.umwsb.com/business-lending/sba-loans-over-150k
- https://searchspheresource.com/data/acquisition-lending

Also on this site: https://searchspheresource.com/resources/category/lender.md
Source: https://searchspheresource.com/resources/united-midwest
Last checked: 2026-08-05

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