UniBank Waterstation SBA Loans in Washington — 9 Funded
Washington loan data 2020–2020 · Updated June 2026
UniBank has funded 9 SBA loans to Waterstation franchisees in Washington, totaling $8.9M in approved financing across 8 cities and 5 congressional districts.
The average Waterstation loan in Washington from UniBank is $992K at a 6.06% average interest rate, with terms averaging 120 months. The Washington default rate is 0% based on 6 resolved loans. Washington represents 11.4% of UniBank's total Waterstation lending nationally. These loans collectively support 49 Washington jobs. SBA-guaranteed portion totals $6.7M (75% of approved volume).
How Washington Compares to UniBank's National Waterstation Lending
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UniBank Waterstation Loan Performance in Washington
Based on 9 SBA loans originated by UniBank for Waterstation franchisees with Washington addresses, the Washington-specific lending relationship spans 2020–2020. Of 6 resolved Washington loans, 6 were paid in full and 0 resulted in chargeoffs.
The Washington loan size range extends from $210K to $2.8M, indicating UniBank funds both smaller single-unit Waterstation operations and larger multi-unit or renovation projects in Washington. Each loan supports an average of 5 jobs in the local economy, and the portfolio collectively supports 49 Washington jobs. Most Washington Waterstation loans from UniBank are classified under "Vending Machine Operators" (NAICS).
Recent activity: UniBank has originated 0 Waterstation Washington loans in the last 2 fiscal years and 9 since fiscal year 2020. The most recent Waterstation Washington approval recorded is from FY2021. Note: lack of recent activity may indicate UniBank has paused, slowed, or exited Waterstation Washington lending — borrowers should verify current appetite directly.
SBA guarantee profile: The SBA-guaranteed portion of UniBank's Waterstation Washington loans averages 75% of approved volume, totaling $6.7M 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% Washington default rate is a strong indicator of loan quality. This suggestsUniBank has effective underwriting standards for Waterstation deals in Washington and/or Washington Waterstation franchisees have strong unit economics that support debt service. For prospective Washington 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 Washington
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 9 | $992K | 6.06% | 120 mo |
Waterstation Loan Size Distribution from UniBank in Washington
How UniBank's Waterstation Washington loan sizes break down by deal size. Useful for sizing your own deal: where do most Washington Waterstation approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of Washington Loans |
|---|---|---|---|
| $150K-$350K | 2 | $210K | 22% |
| $350K-$750K | 2 | $616K | 22% |
| $750K-$1.5M | 3 | $991K | 33% |
| Over $1.5M | 2 | $2.2M | 22% |
How UniBank Originates Waterstation Loans in Washington
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 Washington delivery methods for Waterstation:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| Preferred Lenders Program | 9 | $992K |
Where in Washington UniBank Funds Waterstation Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Bellevue | 2 | $415K | $830K | 0% — Low Risk |
| Mill Creek | 1 | $949K | $949K | N/A |
| Marysville | 1 | $824K | $824K | N/A |
| Sammamish | 1 | $611K | $611K | 0% — Low Risk |
| Spokane | 1 | $1.2M | $1.2M | N/A |
| Everett | 1 | $2.8M | $2.8M | 0% — Low Risk |
| Puyallup | 1 | $1.5M | $1.5M | 0% — Low Risk |
| Seattle | 1 | $210K | $210K | 0% — Low Risk |
UniBank's strongest Waterstation lending presence in Washington is concentrated in Bellevue (2 loans), Mill Creek (1 loans), Marysville (1 loans).
UniBank Waterstation Lending in Washington Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2021 | 1 | $824K | $824K | 6% |
| 2020 | 8 | $1.0M | $8.1M | 6.06% |
Other Franchises UniBank Funds in Washington
UniBank is active in Washington franchise lending beyond Waterstation. Other Washington franchise brands they have funded:
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 Washington
If you're considering a Waterstation franchise in Washington and want to finance through UniBank or another SBA lender, here's what you need to know based on our analysis of 9 historical Washington 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 Washington Lenders
1 lenders have funded Waterstation in Washington. 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 Washington 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 Washington historical data: The average Waterstation SBA loan from UniBank in Washington is $992K with a 6.06% interest rate and a 120-month term.Washington loan amounts range from $210K to $2.8M.
Ready to Fund Your Waterstation Franchise in Washington?
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