UniBank Waterstation SBA Loans in Georgia — 4 Funded
Georgia loan data 2019–2021 · Updated June 2026
UniBank has funded 4 SBA loans to Waterstation franchisees in Georgia, totaling $1.6M in approved financing across 3 cities and 2 congressional districts.
The average Waterstation loan in Georgia from UniBank is $394K at a 6.38% average interest rate, with terms averaging 120 months. The Georgia default rate is 0% based on 2 resolved loans. Georgia represents 5.1% of UniBank's total Waterstation lending nationally. These loans collectively support 4 Georgia jobs. SBA-guaranteed portion totals $1.3M (82.5% of approved volume).
How Georgia Compares to UniBank's National Waterstation Lending
Looking to fund a Waterstation franchise in Georgia?
UniBank is one of 1+ lenders who have funded Waterstation in Georgia. 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 Georgia
Based on 4 SBA loans originated by UniBank for Waterstation franchisees with Georgia addresses, the Georgia-specific lending relationship spans 2019–2021. Of 2 resolved Georgia loans, 2 were paid in full and 0 resulted in chargeoffs.
The Georgia loan size range extends from $223K to $752K, indicating UniBank funds both smaller single-unit Waterstation operations and larger multi-unit or renovation projects in Georgia. Each loan supports an average of 1 jobs in the local economy, and the portfolio collectively supports 4 Georgia jobs. Most Georgia Waterstation loans from UniBank are classified under "Vending Machine Operators" (NAICS).
Recent activity: UniBank has originated 0 Waterstation Georgia loans in the last 2 fiscal years and 4 since fiscal year 2020. The most recent Waterstation Georgia approval recorded is from FY2021. Note: lack of recent activity may indicate UniBank has paused, slowed, or exited Waterstation Georgia lending — borrowers should verify current appetite directly.
SBA guarantee profile: The SBA-guaranteed portion of UniBank's Waterstation Georgia loans averages 82.5% of approved volume, totaling $1.3M 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% Georgia default rate is a strong indicator of loan quality. This suggestsUniBank has effective underwriting standards for Waterstation deals in Georgia and/or Georgia Waterstation franchisees have strong unit economics that support debt service. For prospective Georgia 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 Georgia
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 4 | $394K | 6.38% | 120 mo |
Waterstation Loan Size Distribution from UniBank in Georgia
How UniBank's Waterstation Georgia loan sizes break down by deal size. Useful for sizing your own deal: where do most Georgia Waterstation approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of Georgia Loans |
|---|---|---|---|
| $150K-$350K | 3 | $274K | 75% |
| $750K-$1.5M | 1 | $752K | 25% |
How UniBank Originates Waterstation Loans in Georgia
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 Georgia delivery methods for Waterstation:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| Preferred Lenders Program | 4 | $394K |
Where in Georgia UniBank Funds Waterstation Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Atlanta | 2 | $528K | $1.1M | 0% — Low Risk |
| Alpharetta | 1 | $297K | $297K | 0% — Low Risk |
| Peachtree Corners | 1 | $223K | $223K | N/A |
UniBank's strongest Waterstation lending presence in Georgia is concentrated in Atlanta (2 loans), Alpharetta (1 loans), Peachtree Corners (1 loans).
UniBank Waterstation Lending in Georgia Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2021 | 3 | $274K | $823K | 6% |
| 2020 | 1 | $752K | $752K | 7.5% |
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 Georgia
If you're considering a Waterstation franchise in Georgia and want to finance through UniBank or another SBA lender, here's what you need to know based on our analysis of 4 historical Georgia 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 Georgia Lenders
1 lenders have funded Waterstation in Georgia. 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 Georgia 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 Georgia historical data: The average Waterstation SBA loan from UniBank in Georgia is $394K with a 6.38% interest rate and a 120-month term.Georgia loan amounts range from $223K to $752K.
Ready to Fund Your Waterstation Franchise in Georgia?
We connect you with lenders who have already funded Waterstation in Georgia — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.