UniBank Waterstation SBA Loans in Wyoming — 3 Funded
Wyoming loan data 2021–2021 · Updated June 2026
UniBank has funded 3 SBA loans to Waterstation franchisees in Wyoming, totaling $3.6M in approved financing across 3 cities.
The average Waterstation loan in Wyoming from UniBank is $1.2M at a 5.83% average interest rate, with terms averaging 120 months. The Wyoming default rate is 0% based on 3 resolved loans. Wyoming represents 3.8% of UniBank's total Waterstation lending nationally. These loans collectively support 5 Wyoming jobs. SBA-guaranteed portion totals $3.2M (90% of approved volume).
How Wyoming Compares to UniBank's National Waterstation Lending
Looking to fund a Waterstation franchise in Wyoming?
UniBank is one of 1+ lenders who have funded Waterstation in Wyoming. 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 Wyoming
Based on 3 SBA loans originated by UniBank for Waterstation franchisees with Wyoming addresses, the Wyoming-specific lending relationship spans 2021–2021. Of 3 resolved Wyoming loans, 3 were paid in full and 0 resulted in chargeoffs.
The Wyoming loan size range extends from $196K to $2.7M, indicating UniBank funds both smaller single-unit Waterstation operations and larger multi-unit or renovation projects in Wyoming. Each loan supports an average of 2 jobs in the local economy, and the portfolio collectively supports 5 Wyoming jobs. Most Wyoming Waterstation loans from UniBank are classified under "Vending Machine Operators" (NAICS).
Recent activity: UniBank has originated 0 Waterstation Wyoming loans in the last 2 fiscal years and 3 since fiscal year 2020. The most recent Waterstation Wyoming approval recorded is from FY2021. Note: lack of recent activity may indicate UniBank has paused, slowed, or exited Waterstation Wyoming lending — borrowers should verify current appetite directly.
SBA guarantee profile: The SBA-guaranteed portion of UniBank's Waterstation Wyoming loans averages 90% of approved volume, totaling $3.2M 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% Wyoming default rate is a strong indicator of loan quality. This suggestsUniBank has effective underwriting standards for Waterstation deals in Wyoming and/or Wyoming Waterstation franchisees have strong unit economics that support debt service. For prospective Wyoming 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 Wyoming
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 3 | $1.2M | 5.83% | 120 mo |
Waterstation Loan Size Distribution from UniBank in Wyoming
How UniBank's Waterstation Wyoming loan sizes break down by deal size. Useful for sizing your own deal: where do most Wyoming Waterstation approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of Wyoming Loans |
|---|---|---|---|
| $150K-$350K | 1 | $196K | 33% |
| $350K-$750K | 1 | $700K | 33% |
| Over $1.5M | 1 | $2.7M | 33% |
How UniBank Originates Waterstation Loans in Wyoming
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 Wyoming delivery methods for Waterstation:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| Preferred Lenders Program | 3 | $1.2M |
Where in Wyoming UniBank Funds Waterstation Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Cheyenne | 1 | $700K | $700K | 0% — Low Risk |
| Sheridan | 1 | $196K | $196K | 0% — Low Risk |
| Sheridan | 1 | $2.7M | $2.7M | 0% — Low Risk |
UniBank's strongest Waterstation lending presence in Wyoming is concentrated in Cheyenne (1 loans), Sheridan (1 loans), Sheridan (1 loans).
UniBank Waterstation Lending in Wyoming Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2021 | 3 | $1.2M | $3.6M | 5.83% |
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 Wyoming
If you're considering a Waterstation franchise in Wyoming and want to finance through UniBank or another SBA lender, here's what you need to know based on our analysis of 3 historical Wyoming 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 Wyoming Lenders
1 lenders have funded Waterstation in Wyoming. 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 Wyoming 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 Wyoming historical data: The average Waterstation SBA loan from UniBank in Wyoming is $1.2M with a 5.83% interest rate and a 120-month term.Wyoming loan amounts range from $196K to $2.7M.
Ready to Fund Your Waterstation Franchise in Wyoming?
We connect you with lenders who have already funded Waterstation in Wyoming — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.