SBA Loan Advantages
Making it easier to get a loan
SBA loans are backed by government-sponsored loan guarantees and are available to for-profit businesses in virtually every industry. With an SBA loan, you'll enjoy the flexibility of lower down payments and longer financing terms than conventional loan options. Plus, UBT can utilize Special Purpose Loan Programs, make in-house credit decisions, accelerate your approval process, and provide more timely service than other banks.
SBA loan questions, asked and answered
An SBA loan is a small business loan that can make it easier for businesses to get off the ground or to grow when the time is right. There’s often much confusion — and misconceptions — about this type of loan. Here, we answer some commonly asked questions about SBA loans and point you toward additional resources.
Which SBA loan is right for your business?
There are several types, or variations, of government business loans available through the Small Business Administration — each with its own rules and guidelines. The best SBA loan for you will depend on your unique circumstances. Here, we dive into specific types of SBA loans so you can better identify what makes sense for you.
We get to know you
At UBT, people don’t have your money — your money has people. That means personalized service from real people who get to know you, your goals, and your individual needs.
We’re local
Since getting our start in Lincoln, we’ve expanded to include locations across the state and in parts of Kansas. We’re proud of our Midwestern roots and the people we serve.
We give back
We care about the communities we serve, so we make it a point to support charitable causes and civic organizations that make for an even better place to live and work.
We’re always innovating
Whether it’s improving our online experience or offering new ways to bank on the go, we’re always working to give you the best banking experience possible — so you can focus on what matters.
We’re family owned
UBT has been owned by the same family for more than 50 years, which means we understand the value of putting down roots, caring for those around us, and supporting other families as they grow.
We can do it all
At UBT, we cast a wide net. We offer banking and lending services to individuals and businesses, investing and wealth management solutions, trust services*, and more — all with a personal touch.
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Loan products subject to credit approval.
