United Bank of Michigan
SBA lender based in Michigan serving 1 states and 53 industries
Is United Bank of Michigan the right SBA lender for your deal?
United Bank of Michigan has funded 572 SBA loans across 1 states and 53 industries. Their average loan size is $324K. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile. Historical volume is not a quote. PeerSense does not speak for United Bank of Michigan.
United Bank of Michigan is an SBA Preferred Lender (PLP), a designation the SBA grants to lenders with delegated authority to approve 7(a) loans in house, which speeds underwriting and closing. United Bank of Michigan has funded 572 SBA 7(a) loans across 1 states, averaging $324K per loan. PLP status means the lender does not have to send each file to the SBA for review, a material edge on turnaround for qualified borrowers.
- Main office
- 900 East Paris Ave Se, Grand Rapids, MI 49546
- Domestic offices
- 13
- Established
- 1903
- FDIC certificate
- 11807
- Website
- www.unitedbank4u.com
Source: FDIC BankFind public database, checked October 1, 2026.
Top Lending States
Talk to PeerSense. The lender underwrites the file.
Talk to PeerSenseFOIA history for United Bank of Michigan
FOIA history for United Bank of Michigan: 572 SBA loans across 1 states, average size $324K. Highest volume NAICS in the tape: Building Material & Garden. Highest volume state in the tape: Michigan. Resolved loan charge off rate: 11.9%. That is history, not a buy box and not a prediction they will fund your file. Talk to PeerSense.
Recent SBA Activity at United Bank of Michigan
Franchise lending: United Bank of Michigan has funded SBA loans for multiple franchise concepts, with the highest volume in PONDEROSA STEAK HOUSE, BIG BOY, and TEMPORARY FRANCHISES. Lender franchise familiarity reduces underwriting friction: brands the lender already knows clear faster and re trade less.
Industry concentration: The lender's highest volume SBA industries are Building Material & Garden, Rental & Leasing, and Social Assistance. Borrowers in these NAICS sectors typically see better terms and faster approvals.
Geographic concentration: Top markets are Michigan. Lenders typically underwrite faster in states where they already have closing comps.
Compare United Bank of Michigan to Similar SBA Lenders
Other SBA lenders headquartered in Michigan with similar deal size profiles. Borrowers should always compare 3 to 5 lenders before committing.
Looking for SBA Financing?
Talk to PeerSense. The lender underwrites the file. Size, industry, and location come from the public tape. PeerSense sources capital through a curated network of commercial lenders and capital sources.
Curated capital network · 899+ SBA lenders tracked · The desk will reach out on qualified deals
About United Bank of Michigan SBA Lending
United Bank of Michigan is an SBA lender headquartered in Michigan. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.
United Bank of Michigan serves borrowers across 1 states and 53 industry sectors with a regional lending focus. To find out whether United Bank of Michigan is a fit for your deal, Talk to PeerSense.
PeerSense maintains detailed performance data on hundreds of SBA lenders to help borrowers and brokers identify the right capital source. Rather than spending weeks researching lenders on your own, Talk to PeerSense The desk sources capital from lenders with a record in your industry and geography.
Explore More
All SBA Lenders
Browse 899+ capital sources by state
SBA Loan Calculator
Estimate payments with live rates
Industry Benchmarks
SBA lending data across 100+ industries
Best SBA Franchise Lenders
Franchise lending track records
SBA Loans Guide
7(a), 504, Express: full overview
Talk to PeerSense
Talk to PeerSense. (317) 452 6990
See Related Rates by Program
PeerSense covers the full commercial capital stack. These are indicative levels direct capital sources have been pricing across these programs as of October 1, 2026.
Desk Record
150 files.See 150 files received over 12 months to October 28, 2026, with outcomes by lane from terms through approval or funding.
Originator warehouse
$100M a monthFocus $100 million a month. Will look at $10 million a month. $10 million is not the focus.
Invoice Factoring
0.5 to 3.5% / 30dB2B invoices from $20 million a month. Advance 80 to 95 percent of face.
CMBS Conduit
5.60 to 7.10%10 year Non Recourse fixed, $10 million and up, fully assumable
Bridge Loans
9.00 to 14.00%$10 million and up. Cash in about 35 percent. Name the takeout first.
Data Center
CRS to 89%$1 billion to $30 billion plus. Signed or guaranteed hyperscaler lease.
Contracted revenue sale
Up to 89%15 year lease signed or guaranteed by a hyperscaler. Size follows the lease.
Hotel Financing
SearchHotel financing is search only for $10 million and up, with cash in about 35 percent.
Private Credit
7.80 to 18.00%Non bank flexibility for commercial real estate at $10 million and up.
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.