Lenders › Univest Bank and Trust Co
7(a) lenderSouderton, PennsylvaniaFDIC-insured bank169th of 2,184 by approvals
Univest Bank and Trust Co
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Univest Bank and Trust Co, based in Souderton, Pennsylvania, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 223 of its 7(a) loans worth $171M in FY2021 to FY2025, which places it 169th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 70 approvals totalling $46.9M, up 40% on FY2024 (50). FY2026 to 30 Jun 2026 adds 37 more.
The median approval was $350K, against $190K for the 7(a) program as a whole; 22.0% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 4 states and territories and 33 counties, led by Pennsylvania (72.6%), New Jersey (12.6%) and Maryland (11.7%). The largest industry group was construction at 15.7% of approvals, and 10.3% of approvals were to franchise businesses.
Of 314 disbursed loans approved in FY2010 to FY2021, SBA records 21 as charged off (6.7%), 256 as paid in full and 37 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is close to it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 37 | $24.1M | $350K | $652K | 493 |
| FY2025 | 70 | $46.9M | $350K | $670K | 594 |
| FY2024 | 50 | $36.5M | $443K | $729K | 656 |
| FY2023 | 43 | $30.4M | $350K | $708K | 268 |
| FY2022 | 24 | $18.3M | $320K | $764K | 331 |
| FY2021 | 36 | $38.5M | $425K | $1.1M | 607 |
| FY2020 | 7 | $2.7M | $300K | $390K | 95 |
| FY2019 | 25 | $16.0M | $235K | $640K | 545 |
| FY2018 | 16 | $4.6M | $263K | $290K | 226 |
| FY2017 | 15 | $2.2M | $100K | $144K | 213 |
| FY2016 | 14 | $2.1M | $80K | $149K | 184 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 77 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Pennsylvania | 7(a) program |
|---|---|---|---|
| Approvals in these years | 352 | 20,449 | 639,905 |
| Cancelled or never disbursed | 38 | 2,853 | 79,313 |
| Disbursed loans | 314 | 17,596 | 560,592 |
| Paid in full | 256 | 13,626 | 435,813 |
| Charged off | 21 | 1,040 | 36,891 |
| Still outstanding (status exempt from disclosure) | 37 | 2,930 | 87,888 |
| Charged off, share of disbursed loans | 6.7% | 5.9% | 6.6% |
| Dollars charged off, share of disbursed dollars | 2.7% | 2.6% | 2.5% |
| Dollars charged off | $2.5M | $171M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 26 | 13 | 1 | — | 2.8% |
| FY2020 | 7 | 3 | 0 | — | 4.0% |
| FY2019 | 22 | 7 | 2 | — | 6.7% |
| FY2018 | 15 | 11 | 2 | — | 7.9% |
| FY2017 | 15 | 14 | 0 | — | 7.7% |
| FY2016 | 13 | 11 | 1 | — | 7.2% |
| FY2015 | 19 | 19 | 0 | — | 6.9% |
| FY2014 | 21 | 21 | 0 | — | 6.4% |
| FY2013 | 47 | 41 | 6 | 12.8% | 6.0% |
| FY2012 | 41 | 39 | 0 | 0.0% | 6.3% |
| FY2011 | 59 | 52 | 5 | 8.5% | 6.9% |
| FY2010 | 29 | 25 | 4 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $350K | $190K |
| Average approval | $765K | $518K |
| Approvals of $150,000 or less | 22.0% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 46.6% | 34.3% |
| Approvals to franchise businesses | 10.3% | 11.5% |
| Jobs supported per approval, as reported | 11.0 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 6.7% | 6.6% |
States served
| # | State of the business (4 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Pennsylvania | 162 | $118M | 72.6% | |
| 2 | New Jersey | 28 | $26.6M | 12.6% | |
| 3 | Maryland | 26 | $19.0M | 11.7% | |
| 4 | Delaware | 7 | $6.7M | 3.1% |
In Pennsylvania the lender accounts for 1.5% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (33 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Montgomery County, PA | 46 | $21.4M | 20.6% | |
| 2 | Philadelphia County, PA | 20 | $10.4M | 9.0% | |
| 3 | Lancaster County, PA | 16 | $18.1M | 7.2% | |
| 4 | Bucks County, PA | 15 | $12.7M | 6.7% | |
| 5 | Chester County, PA | 13 | $10.0M | 5.8% | |
| 6 | Allegheny County, PA | 12 | $6.4M | 5.4% | |
| 7 | Berks County, PA | 9 | $10.0M | 4.0% | |
| 8 | York County, PA | 9 | $8.4M | 4.0% | |
| 9 | Baltimore city, MD | 8 | $5.7M | 3.6% | |
| 10 | Camden County, NJ | 8 | $5.0M | 3.6% | |
| 11 | New Castle County, DE | 7 | $6.7M | 3.1% | |
| 12 | Burlington County, NJ | 7 | $5.5M | 3.1% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 35 | 15.7% | |
| 2 | Accommodation and Food Services | 33 | 14.8% | |
| 3 | Retail Trade | 23 | 10.3% | |
| 4 | Professional, Scientific, and Technical Services | 21 | 9.4% | |
| 5 | Other Services (except Public Administration) | 18 | 8.1% | |
| 6 | Arts, Entertainment, and Recreation | 18 | 8.1% | |
| 7 | Manufacturing | 17 | 7.6% | |
| 8 | Wholesale Trade | 16 | 7.2% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 28 | 12.6% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 19 | 8.5% | |
| 3 | Other Amusement and Recreation IndustriesNAICS 7139 | 14 | 6.3% | |
| 4 | Beverage ManufacturingNAICS 3121 | 10 | 4.5% | |
| 5 | Specialty Food StoresNAICS 4452 | 10 | 4.5% | |
| 6 | Machinery, Equipment, and Supplies Merchant WholesalersNAICS 4238 | 8 | 3.6% | |
| 7 | Architectural, Engineering, and Related ServicesNAICS 5413 | 8 | 3.6% | |
| 8 | Automotive Repair and MaintenanceNAICS 8111 | 7 | 3.1% | |
| 9 | Services to Buildings and DwellingsNAICS 5617 | 7 | 3.1% | |
| 10 | Building Finishing ContractorsNAICS 2383 | 6 | 2.7% |
Approval sizes
- $50,000 or less8.5%19
- $50,001 to $150,00013.5%30
- $150,001 to $350,00030.0%67
- $350,001 to $1 million26.0%58
- $1 million to $2 million11.7%26
- Over $2 million10.3%23
Loan terms
- 5 years or less0.9%2
- Over 5 to 10 years72.6%162
- Over 10 to 20 years9.0%20
- Over 20 years17.5%39
Age of the businesses
- Existing, more than 2 years old42.2%94
- New business, 2 years or less15.2%34
- Startup, loan funds will open the business31.4%70
- Change of ownership11.2%25
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 167 | 74.9% | |
| 2 | SBA Express Program | 54 | 24.2% | |
| 3 | 7a General | 2 | 0.9% |
Franchise share
23 of 223 approvals in FY2021–FY2025 (10.3%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | redbox+ | 3 | 1.3% | |
| 2 | One Hour Air Conditioning & Heating | 3 | 1.3% | |
| 3 | Save-A-Lot Food Stores- License & Supply Agreement | 2 | 0.9% | |
| 4 | Budget Blinds | 2 | 0.9% | |
| 5 | Rita's Ice-Custard-Happiness | 1 | 0.4% | |
| 6 | Hyper Kidz | 1 | 0.4% | |
| 7 | KidStrong | 1 | 0.4% | |
| 8 | Manhattan Bagel | 1 | 0.4% |
Questions and answers
How many SBA loans does Univest Bank and Trust Co make?
SBA approved 70 7(a) loans through Univest Bank and Trust Co in FY2025, worth $46.9M, and 223 over FY2021 to FY2025. That ranks 169th of 2,184 active 7(a) lenders by number of approvals.
How large are Univest Bank and Trust Co's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $350K and the average $765K. The program-wide median was $190K.
What is Univest Bank and Trust Co's charge-off rate?
Of 314 disbursed loans approved in FY2010 to FY2021, SBA records 21 as charged off (6.7%), 256 as paid in full and 37 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is close to it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Univest Bank and Trust Co lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (28); building equipment contractors (19); other amusement and recreation industries (14); beverage manufacturing (10).
Where does Univest Bank and Trust Co make SBA loans?
In 4 states and territories. Pennsylvania 162, New Jersey 28, Maryland 26, Delaware 7. In Pennsylvania it accounts for 1.5% of all 7(a) approvals.
Is Univest Bank and Trust Co's SBA lending rising?
Approvals in the three latest complete fiscal years total 163, against 67 in the three before: rising (+143%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error