UniBank Waterstation SBA Loans in California — 11 Funded
California loan data 2020–2021 · Updated June 2026
UniBank has funded 11 SBA loans to Waterstation franchisees in California, totaling $3.3M in approved financing across 11 cities and 11 congressional districts.
The average Waterstation loan in California from UniBank is $300K at a 6.14% average interest rate, with terms averaging 120 months. The California default rate is 0% based on 7 resolved loans. California represents 13.9% of UniBank's total Waterstation lending nationally. These loans collectively support 15 California jobs. SBA-guaranteed portion totals $2.6M (80.5% of approved volume).
How California Compares to UniBank's National Waterstation Lending
Looking to fund a Waterstation franchise in California?
UniBank is one of 2+ lenders who have funded Waterstation in California. We can help you compare options and connect with lenders experienced in this brand and state — no retainers, referral fee at closing.
UniBank Waterstation Loan Performance in California
Based on 11 SBA loans originated by UniBank for Waterstation franchisees with California addresses, the California-specific lending relationship spans 2020–2021. Of 7 resolved California loans, 7 were paid in full and 0 resulted in chargeoffs.
The California loan size range extends from $190K to $574K, indicating UniBank funds both smaller single-unit Waterstation operations and larger multi-unit or renovation projects in California. Each loan supports an average of 1 jobs in the local economy, and the portfolio collectively supports 15 California jobs. Most California Waterstation loans from UniBank are classified under "Vending Machine Operators" (NAICS).
Recent activity: UniBank has originated 0 Waterstation California loans in the last 2 fiscal years and 11 since fiscal year 2020. The most recent Waterstation California approval recorded is from FY2021. Note: lack of recent activity may indicate UniBank has paused, slowed, or exited Waterstation California lending — borrowers should verify current appetite directly.
SBA guarantee profile: The SBA-guaranteed portion of UniBank's Waterstation California loans averages 80.5% of approved volume, totaling $2.6M in federally-backed exposure. 7(a) loans typically carry a 75-85% guarantee, so a higher percentage suggests a smaller-loan/SBA Express mix; lower suggests larger PLP deals where the lender retains more risk.
The 0% California default rate is a strong indicator of loan quality. This suggestsUniBank has effective underwriting standards for Waterstation deals in California and/or California Waterstation franchisees have strong unit economics that support debt service. For prospective California borrowers, this is an encouraging signal — UniBankunderstands the Waterstation business model in this market and has a track record of successful outcomes here.
SBA Programs Used for Waterstation Loans in California
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 11 | $300K | 6.14% | 120 mo |
Waterstation Loan Size Distribution from UniBank in California
How UniBank's Waterstation California loan sizes break down by deal size. Useful for sizing your own deal: where do most California Waterstation approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of California Loans |
|---|---|---|---|
| $150K-$350K | 8 | $247K | 73% |
| $350K-$750K | 3 | $444K | 27% |
How UniBank Originates Waterstation Loans in California
SBA delivery method matters: Preferred Lenders Program (PLP) closes 2-3 weeks faster than General Processing because the lender holds full credit authority. UniBank uses 1 different California delivery methods for Waterstation:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| Preferred Lenders Program | 11 | $300K |
Where in California UniBank Funds Waterstation Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Hayward | 1 | $190K | $190K | 0% — Low Risk |
| Glendale | 1 | $382K | $382K | N/A |
| Alamo | 1 | $297K | $297K | N/A |
| Escondido | 1 | $376K | $376K | 0% — Low Risk |
| Sonoma | 1 | $212K | $212K | 0% — Low Risk |
| Cypress | 1 | $215K | $215K | N/A |
| Newbury Park | 1 | $297K | $297K | N/A |
| La Verne | 1 | $255K | $255K | 0% — Low Risk |
| San Jose | 1 | $297K | $297K | 0% — Low Risk |
| Manhattan Beach | 1 | $210K | $210K | 0% — Low Risk |
| San Francisco | 1 | $574K | $574K | 0% — Low Risk |
UniBank's strongest Waterstation lending presence in California is concentrated in Hayward (1 loans), Glendale (1 loans), Alamo (1 loans).
UniBank Waterstation Lending in California Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2021 | 4 | $276K | $1.1M | 6% |
| 2020 | 7 | $315K | $2.2M | 6.21% |
Other Lenders That Fund Waterstation in California
UniBank is not the only lender funding Waterstation in California. Compare 1 other banks who have originated Waterstation SBA loans to California borrowers.
| Lender | California Loans | Avg Size | Default Rate |
|---|---|---|---|
| UniBank (this page) | 11 | $300K | 0% — Low Risk |
| Newtek Small Business Finance, Inc. | 5 | $1.6M | 0% — Low Risk |
UniBank Waterstation Lending in Other States
UniBank has also funded Waterstation franchisees in 8 other states. View state-specific data:
How to Get an SBA Loan for a Waterstation Franchise in California
If you're considering a Waterstation franchise in California and want to finance through UniBank or another SBA lender, here's what you need to know based on our analysis of 11 historical California loans.
Verify Your Qualifications
Most SBA franchise loans require a 680+ credit score, 20-30% down payment, and relevant industry or management experience.Waterstation's franchise fee and total investment determine minimum capital requirements.
Compare California Lenders
2 lenders have funded Waterstation in California. Lenders with more local Waterstation experience typically close faster because they understand both the brand and the local market. Compare rates, default rates, and city coverage above.
Get Pre-Qualified
PeerSense matches California borrowers with lenders who have a proven track record funding Waterstation in your state. No retainers — our referral fee is paid at closing. Get matched in 24 hours.
Expected loan terms based on California historical data: The average Waterstation SBA loan from UniBank in California is $300K with a 6.14% interest rate and a 120-month term.California loan amounts range from $190K to $574K.
Ready to Fund Your Waterstation Franchise in California?
We connect you with lenders who have already funded Waterstation in California — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.