UniBank Waterstation SBA Loans in Texas — 11 Funded
Texas loan data 2019–2021 · Updated June 2026
UniBank has funded 11 SBA loans to Waterstation franchisees in Texas, totaling $7.5M in approved financing across 10 cities and 6 congressional districts.
The average Waterstation loan in Texas from UniBank is $678K at a 6.14% average interest rate, with terms averaging 120 months. The Texas default rate is 0% based on 7 resolved loans. Texas represents 13.9% of UniBank's total Waterstation lending nationally. These loans collectively support 14 Texas jobs. SBA-guaranteed portion totals $6.3M (80.5% of approved volume).
How Texas Compares to UniBank's National Waterstation Lending
Looking to fund a Waterstation franchise in Texas?
UniBank is one of 4+ lenders who have funded Waterstation in Texas. 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 Texas
Based on 11 SBA loans originated by UniBank for Waterstation franchisees with Texas addresses, the Texas-specific lending relationship spans 2019–2021. Of 7 resolved Texas loans, 7 were paid in full and 0 resulted in chargeoffs.
The Texas loan size range extends from $210K to $2.4M, indicating UniBank funds both smaller single-unit Waterstation operations and larger multi-unit or renovation projects in Texas. Each loan supports an average of 1 jobs in the local economy, and the portfolio collectively supports 14 Texas jobs. Most Texas Waterstation loans from UniBank are classified under "Vending Machine Operators" (NAICS).
Recent activity: UniBank has originated 0 Waterstation Texas loans in the last 2 fiscal years and 11 since fiscal year 2020. The most recent Waterstation Texas approval recorded is from FY2021. Note: lack of recent activity may indicate UniBank has paused, slowed, or exited Waterstation Texas lending — borrowers should verify current appetite directly.
SBA guarantee profile: The SBA-guaranteed portion of UniBank's Waterstation Texas loans averages 80.5% of approved volume, totaling $6.3M 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% Texas default rate is a strong indicator of loan quality. This suggestsUniBank has effective underwriting standards for Waterstation deals in Texas and/or Texas Waterstation franchisees have strong unit economics that support debt service. For prospective Texas 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 Texas
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 11 | $678K | 6.14% | 120 mo |
Waterstation Loan Size Distribution from UniBank in Texas
How UniBank's Waterstation Texas loan sizes break down by deal size. Useful for sizing your own deal: where do most Texas Waterstation approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of Texas Loans |
|---|---|---|---|
| $150K-$350K | 6 | $281K | 55% |
| $350K-$750K | 3 | $579K | 27% |
| Over $1.5M | 2 | $2.0M | 18% |
How UniBank Originates Waterstation Loans in Texas
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 Texas delivery methods for Waterstation:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| Preferred Lenders Program | 11 | $678K |
Where in Texas UniBank Funds Waterstation Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Southlake | 2 | $534K | $1.1M | 0% — Low Risk |
| Bedford | 1 | $210K | $210K | N/A |
| Plano | 1 | $210K | $210K | 0% — Low Risk |
| Austin | 1 | $420K | $420K | 0% — Low Risk |
| Mckinney | 1 | $1.6M | $1.6M | 0% — Low Risk |
| Lewisville | 1 | $595K | $595K | N/A |
| Humble | 1 | $338K | $338K | 0% — Low Risk |
| Houston | 1 | $275K | $275K | N/A |
| San Antonio | 1 | $306K | $306K | 0% — Low Risk |
| Irving | 1 | $2.4M | $2.4M | N/A |
UniBank's strongest Waterstation lending presence in Texas is concentrated in Southlake (2 loans), Bedford (1 loans), Plano (1 loans).
UniBank Waterstation Lending in Texas Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2021 | 4 | $1.2M | $5.0M | 6% |
| 2020 | 7 | $355K | $2.5M | 6.21% |
Other Lenders That Fund Waterstation in Texas
UniBank is not the only lender funding Waterstation in Texas. Compare 3 other banks who have originated Waterstation SBA loans to Texas borrowers.
| Lender | Texas Loans | Avg Size | Default Rate |
|---|---|---|---|
| UniBank (this page) | 11 | $678K | 0% — Low Risk |
| Newtek Small Business Finance, Inc. | 4 | $375K | 0% — Low Risk |
| Celtic Bank Corporation | 2 | $1.8M | N/A |
| Wells Fargo Bank National Association | 2 | $422K | 50% — High 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 Texas
If you're considering a Waterstation franchise in Texas and want to finance through UniBank or another SBA lender, here's what you need to know based on our analysis of 11 historical Texas 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 Texas Lenders
4 lenders have funded Waterstation in Texas. 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 Texas 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 Texas historical data: The average Waterstation SBA loan from UniBank in Texas is $678K with a 6.14% interest rate and a 120-month term.Texas loan amounts range from $210K to $2.4M.
Ready to Fund Your Waterstation Franchise in Texas?
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