UniBank Waterstation SBA Loans in Florida — 5 Funded
Florida loan data 2020–2020 · Updated June 2026
UniBank has funded 5 SBA loans to Waterstation franchisees in Florida, totaling $6.5M in approved financing across 4 cities and 4 congressional districts.
The average Waterstation loan in Florida from UniBank is $1.3M at a 6% average interest rate, with terms averaging 120 months. The Florida default rate is 0% based on 4 resolved loans. Florida represents 6.3% of UniBank's total Waterstation lending nationally. These loans collectively support 7 Florida jobs. SBA-guaranteed portion totals $4.9M (75% of approved volume).
How Florida Compares to UniBank's National Waterstation Lending
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UniBank is one of 2+ lenders who have funded Waterstation in Florida. 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 Florida
Based on 5 SBA loans originated by UniBank for Waterstation franchisees with Florida addresses, the Florida-specific lending relationship spans 2020–2020. Of 4 resolved Florida loans, 4 were paid in full and 0 resulted in chargeoffs.
The Florida loan size range extends from $210K to $3.3M, indicating UniBank funds both smaller single-unit Waterstation operations and larger multi-unit or renovation projects in Florida. Each loan supports an average of 1 jobs in the local economy, and the portfolio collectively supports 7 Florida jobs. Most Florida Waterstation loans from UniBank are classified under "Vending Machine Operators" (NAICS).
Recent activity: UniBank has originated 0 Waterstation Florida loans in the last 2 fiscal years and 5 since fiscal year 2020. The most recent Waterstation Florida approval recorded is from FY2021. Note: lack of recent activity may indicate UniBank has paused, slowed, or exited Waterstation Florida lending — borrowers should verify current appetite directly.
SBA guarantee profile: The SBA-guaranteed portion of UniBank's Waterstation Florida loans averages 75% of approved volume, totaling $4.9M 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% Florida default rate is a strong indicator of loan quality. This suggestsUniBank has effective underwriting standards for Waterstation deals in Florida and/or Florida Waterstation franchisees have strong unit economics that support debt service. For prospective Florida 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 Florida
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 5 | $1.3M | 6% | 120 mo |
Waterstation Loan Size Distribution from UniBank in Florida
How UniBank's Waterstation Florida loan sizes break down by deal size. Useful for sizing your own deal: where do most Florida Waterstation approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of Florida Loans |
|---|---|---|---|
| $150K-$350K | 2 | $213K | 40% |
| $350K-$750K | 1 | $631K | 20% |
| Over $1.5M | 2 | $2.7M | 40% |
How UniBank Originates Waterstation Loans in Florida
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 Florida delivery methods for Waterstation:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| Preferred Lenders Program | 5 | $1.3M |
Where in Florida UniBank Funds Waterstation Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Miami | 2 | $213K | $425K | 0% — Low Risk |
| Tampa | 1 | $3.3M | $3.3M | N/A |
| Naples | 1 | $2.1M | $2.1M | 0% — Low Risk |
| Santa Rosa Beach | 1 | $631K | $631K | 0% — Low Risk |
UniBank's strongest Waterstation lending presence in Florida is concentrated in Miami (2 loans), Tampa (1 loans), Naples (1 loans).
UniBank Waterstation Lending in Florida Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2021 | 1 | $631K | $631K | 6% |
| 2020 | 4 | $1.5M | $5.9M | 6% |
Other Lenders That Fund Waterstation in Florida
UniBank is not the only lender funding Waterstation in Florida. Compare 1 other banks who have originated Waterstation SBA loans to Florida borrowers.
| Lender | Florida Loans | Avg Size | Default Rate |
|---|---|---|---|
| UniBank (this page) | 5 | $1.3M | 0% — Low Risk |
| Stearns Bank National Association | 2 | $274K | 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 Florida
If you're considering a Waterstation franchise in Florida and want to finance through UniBank or another SBA lender, here's what you need to know based on our analysis of 5 historical Florida 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 Florida Lenders
2 lenders have funded Waterstation in Florida. 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 Florida 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 Florida historical data: The average Waterstation SBA loan from UniBank in Florida is $1.3M with a 6% interest rate and a 120-month term.Florida loan amounts range from $210K to $3.3M.
Ready to Fund Your Waterstation Franchise in Florida?
We connect you with lenders who have already funded Waterstation in Florida — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.