Lender record
Union Bank
The real lending record — every figure from funded deals. HQ: 20 Main St, Morrisville, VT. 21 branches.
61
Recent deals (FY20+)
$50K
Typical deal
22 days
Approval → funding
0%
Failure rate (FY20–23)
Where Union Bank lends
Deals Union Bank funded — list all 54 as text
- M&G Foods, LLC — Lake Odessa · $350K · FY2026 · Limited-Service Restaurants
- Grand Products LLC — Grand Rapids · $134K · FY2025 · Other Personal and Household Goods Repair and Maintenance
- The Porch on Main LLC — Colebrook · $95K · FY2025 · Full-Service Restaurants
- The Porch on Main LLC — Colebrook · $65K · FY2025 · Full-Service Restaurants
- Grand Products LLC — Grand Rapids · $10K · FY2025 · Other Personal and Household Goods Repair and Maintenance
- GNL Enterprises, LLC — Grand Rapids · $1.3M · FY2024 · Full-Service Restaurants
- Norman Camera GR, LLC — Grand Rapids · $996K · FY2024 · Electronics and Appliance Retailers
- Starley LLC — Moultonborough · $50K · FY2024 · Gasoline Stations with Convenience Stores
- Injury & Health Management Solutions, Inc. — Williston · $100K · FY2023 · Administrative Management and General Management Consulting
- Chang Thai Cafe LLC — Littleton · $80K · FY2023 · Full-Service Restaurants
- Way Better Water, LLC — Sparta · $1.1M · FY2022 · All Other Support Services
- North Country Mechanical Insulators, Inc. — South Burlington · $250K · FY2022 · Plumbing, Heating, and Air-Conditioning Contractors
- Pie Fixes Everything LLC — Underhill · $216K · FY2022 · Commercial Bakeries
- Pinemarten, LLC — Fairfax · $165K · FY2022 · Full-Service Restaurants
- Pinemarten, LLC — Fairfax · $150K · FY2022 · Full-Service Restaurants
- J Day LLC — Craftsbury · $56K · FY2022 · Specialized Freight (except Used Goods) Trucking, Long-Dista
- Black Dog LLC — Lake Elmore · $50K · FY2022 · Convenience Stores
- Great Big Graphics Inc — Morrisville · $40K · FY2022 · Graphic Design Services
- Pie Fixes Everything LLC — Underhill · $23K · FY2022 · Commercial Bakeries
- Hutch Custom Carpentry LLC — Morrisville · $20K · FY2022 · Finish Carpentry Contractors
- Stark Construction LTD CO. — Greensboro Bend · $10K · FY2022 · Framing Contractors
- Ammonoosuc River Kampground LLC — Lisbon · $130K · FY2021 · RV (Recreational Vehicle) Parks and Campgrounds
- Aubin Electric Inc. — Lyndonville · $120K · FY2021 · Electrical Contractors and Other Wiring Installation Contrac
- North Country Hydraulics Inc. — Littleton · $50K · FY2021 · Commercial and Industrial Machinery and Equipment (except Au
- BHAKTIOM LLC — North Conway · $50K · FY2021 · Hotels (except Casino Hotels) and Motels
- Stowe Red Barn Realty LLC — Stowe · $50K · FY2021 · Offices of Real Estate Agents and Brokers
- Maple Tree Biomedical LLC — Essex · $48K · FY2021 · Other Electronic and Precision Equipment Repair and Maintena
- Elevate Movement Collective LLC — Stowe · $40K · FY2021 · Fitness and Recreational Sports Centers
- North Country Protective Coatings LLC — Littleton · $30K · FY2021 · Automotive Body, Paint, and Interior Repair and Maintenance
- Douglas Bliss — Underhill · $21K · FY2021 · Electrical Contractors and Other Wiring Installation Contrac
- Cutler-Small Partnership — Morrisville · $16K · FY2021 · Child Day Care Services
- Backcountry Landscapes LLC — Underhill · $11K · FY2021 · Landscaping Services
- DMB Floral Inc. — Littleton · $10K · FY2021 · Florists
- CSM Alger Heights, LLC — Grand Rapids · $1.2M · FY2020 · Assisted Living Facilities for the Elderly
- North Country Mechanical Insulators, Inc. — South Burlington · $227K · FY2020 · New Single-Family Housing Construction (except For-Sale Buil
- Cranmore Health Partners LLC — North Conway · $225K · FY2020 · General Medical and Surgical Hospitals
- Venos Specialty Foods LLC — North Conway · $175K · FY2020 · Supermarkets and Other Grocery (except Convenience) Stores
- Kaiser Properties, LLC — Cambridge · $150K · FY2020 · Automotive Body, Paint, and Interior Repair and Maintenance
- Boo's Storage LLC — Northumberland · $150K · FY2020 · Lessors of Miniwarehouses and Self-Storage Units
- R. Soule and Son, inc — Enosburg Falls · $125K · FY2020 · Commercial and Industrial Machinery and Equipment (except Au
- R. Soule and Son, inc — Enosburg Falls · $125K · FY2020 · Commercial and Industrial Machinery and Equipment (except Au
- Finish Solutions LLC — Burlington · $98K · FY2020 · All Other Specialty Trade Contractors
- Valley Independent Pharmacy Inc. — North Conway · $60K · FY2020 · Pharmacies and Drug Stores
- Horticulture Investment Properties, LLC — Center Conway · $50K · FY2020 · Nursery, Garden Center, and Farm Supply Stores
- NDA Associates PLLC — Williston · $50K · FY2020 · Offices of Dentists
- The Body Lab VT LLC — South Burlington · $43K · FY2020 · Fitness and Recreational Sports Centers
- NDA Associates PLLC — Williston · $31K · FY2020 · Offices of Dentists
- MJS Property LLC — Milton · $30K · FY2020 · Automotive Body, Paint, and Interior Repair and Maintenance
- Finish Solutions LLC — Burlington · $25K · FY2020 · All Other Specialty Trade Contractors
- Jedediah Randall — Huntington · $25K · FY2020 · Commercial and Industrial Machinery and Equipment (except Au
- ATHLETICS JOBS LLC — Morrisville · $21K · FY2020 · Employment Placement Agencies
- The Body Lab VT LLC — South Burlington · $18K · FY2020 · Fitness and Recreational Sports Centers
- Venos Specialty Foods LLC — North Conway · $15K · FY2020 · Supermarkets and Other Grocery (except Convenience) Stores
- ATHLETICS JOBS LLC — Morrisville · $4K · FY2020 · Employment Placement Agencies
Deal profile
Most Union Bank deals land between $30K and $130K — that range covers half of everything they fund. Top industries and states:
Industries they fund most
- 1.Full-Service Restaurants (7)
- 2.Commercial and Industrial Machinery and Equipment (except Au (4)
- 3.Fitness and Recreational Sports Centers (3)
- 4.Automotive Body, Paint, and Interior Repair and Maintenance (3)
- 5.Other Personal and Household Goods Repair and Maintenance (2)
- 6.Finish Carpentry Contractors (2)
- 7.Commercial Bakeries (2)
- 8.All Other Miscellaneous Crop Farming (2)
Most active states
- 1.Vermont (38 deals)
- 2.New Hampshire (16 deals)
- 3.Michigan (7 deals)
Franchises they finance most
Can Union Bank fund you? The bank behind the loans
Total assets
$1.6B
▲ 0.5% vs prior quarter
Deposits on hand
$1.2B
▼ 1.1% vs prior quarter
Loans outstanding
$1.2B
▲ 0.2% vs prior quarter
Net income (latest qtr)
$3.2M
- •SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes Union Bank more SBA-focused than 10% of the banks on our record.
- •Deposits shrank last quarter — worth asking early how much new-loan appetite they have right now.
- •Return on assets of 0.8% — under the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.
FDIC call-report data, quarter ending 03/2026.
Walk into a Union Bank branch (21)
Union BankMain office20 Main StMorrisville, VT 05661 · since 1891
Littleton Branch76 Main StLittleton, NH 03561 · since 1871
Railroad Street Lpo Branch364 Railroad StreetSaint Johnsbury, VT 05819 · since 1886 · limited service
Stowe Branch47 Park StStowe, VT 05672 · since 1891
Jeffersonville Branch5062 Vt Route 15Jeffersonville, VT 05464 · since 1917
Groveton Branch3 State StGroveton, NH 03582 · since 1939
Portland Street Branch325 Portland StSaint Johnsbury, VT 05819 · since 1967
Northgate Plaza Branch65 Northgate AveMorrisville, VT 05661 · since 1979
Hardwick Branch103 Vermont 15 WestHardwick, VT 05843 · since 1993
Lyndonville Branch183 Depot StLyndonville, VT 05851 · since 1995
Fairfax Branch16 Browns River RdFairfax, VT 05454 · since 2002
Littleton Nh Branch263 Dells RdLittleton, NH 03561 · since 2006
Saint Albans Branch15 Mapleville DepotSaint Albans, VT 05478 · since 2008
Lincoln Nh Branch135 Main StLincoln, NH 03251 · since 2014
South Burlington Limited Service Branch30 Kimball AveSouth Burlington, VT 05403 · since 2017 · limited service
Berlin Branch1028 Us Route 302Berlin, VT 05641 · since 2018
North Conway Lpo2541 White Mountain Hwy BldgNorth Conway, NH 03860 · since 2019 · limited service
Jericho Branch368 Vermont Route 15Jericho, VT 05465 · since 2019
Williston Branch31 Market StWilliston, VT 05495 · since 2019
Shelburne Branch Office5068 Shelburne RdShelburne, VT 05482 · since 2021
North Conway Branch120 North South RoadNorth Conway, NH 03860 · since 2023
Scroll for all 21 branches · Branch data: FDIC BankFind.
Recent deals
- M&G Foods, LLC in Lake Odessa, MI — $350K (2026) · purchase · Limited-Service Restaurants
- Program
- 7a General
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 19 days
- Approved
- 11/19/2025
- First disbursed
- 12/8/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 22
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $389K
- Est. down payment (10%)
- $39K
- Est. cash at closing
- $52K
- Monthly payment
- $4,109
- Annual debt service
- $49K
- Cash flow needed (1.25×)
- $62K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
- Grand Products LLC in Grand Rapids, MI — $134K (2025) · Other Personal and Household Goods Repair and Maintenance
- Program
- 7a General
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $114K (85%)
- Approval → funding
- 53 days
- Approved
- 1/6/2025
- First disbursed
- 2/28/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Franchise
- Handyman Connection
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Personal and Household Goods Repair and Maintenance
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- The Porch on Main LLC in Colebrook, NH — $95K (2025) · Full-Service Restaurants
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $47K (50%)
- Approval → funding
- 37 days
- Approved
- 2/4/2025
- First disbursed
- 3/13/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
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- Wildwood Carpentry, LLC in Cambridge, VT — $75K (2025) · Finish Carpentry Contractors
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $38K (50%)
- Approval → funding
- 48 days
- Approved
- 1/2/2025
- First disbursed
- 2/19/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Business age
- New Business or 2 years or less
- Industry
- Finish Carpentry Contractors
Your business? Claim this record · Request removal
- The Porch on Main LLC in Colebrook, NH — $65K (2025) · Full-Service Restaurants
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% fixed
- Term
- 86 months
- SBA guaranteed
- $49K (75%)
- Approval → funding
- 22 days
- Approved
- 2/4/2025
- First disbursed
- 2/26/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
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- Grand Products LLC in Grand Rapids, MI — $10K (2025) · Other Personal and Household Goods Repair and Maintenance
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $5K (50%)
- Approved
- 1/7/2025
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Franchise
- Handyman Connection
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Personal and Household Goods Repair and Maintenance
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- GNL Enterprises, LLC in Grand Rapids, MI — $1.3M (2024) · Full-Service Restaurants
- Program
- 7a General
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $975K (75%)
- Approval → funding
- 17 days
- Approved
- 8/6/2024
- First disbursed
- 8/23/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 126
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
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- Norman Camera GR, LLC in Grand Rapids, MI — $996K (2024) · purchase · Electronics and Appliance Retailers
- Program
- 7a General
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $747K (75%)
- Approval → funding
- 13 days
- Approved
- 3/16/2024
- First disbursed
- 3/29/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Change of Ownership
- Industry
- Electronics and Appliance Retailers
If you were the buyer here
- Est. deal size
- $1.1M
- Est. down payment (10%)
- $111K
- Est. cash at closing
- $152K
- Monthly payment
- $12,349
- Annual debt service
- $148K
- Cash flow needed (1.25×)
- $185K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
- Starley LLC in Moultonborough, NH — $50K (2024) · Gasoline Stations with Convenience Stores
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 11 days
- Approved
- 5/9/2024
- First disbursed
- 5/20/2024
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Business age
- New Business or 2 years or less
- Industry
- Gasoline Stations with Convenience Stores
Your business? Claim this record · Request removal
- SACO RIVER BREWING TAPHAUS, LLC in North Conway, NH — $120K (2023) · Breweries
- Program
- Preferred Lenders Program
- Rate at approval
- 7% fixed
- Term
- 126 months
- SBA guaranteed
- $102K (85%)
- Approval → funding
- 11 days
- Approved
- 9/7/2023
- First disbursed
- 9/18/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Breweries
Your business? Claim this record · Request removal
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Businesses Union Bank financed
48 businesses on record. Each links to its full SBA record.
- GNL Enterprises, LLCGrand Rapids, MI · 1 loan$1.3M
- CSM Alger Heights, LLCGrand Rapids, MI · 1 loan$1.2M
- Way Better Water, LLCSparta, MI · 1 loan$1.1M
- Norman Camera GR, LLCGrand Rapids, MI · 1 loan$996K
- North Country Mechanical Insulators, Inc.South Burlington, VT · 2 loans$477K
- M&G Foods, LLCLake Odessa, MI · 1 loan$350K
- Pinemarten, LLCFairfax, VT · 2 loans$315K
- R. Soule and Son, incEnosburg Falls, VT · 2 loans$250K
- Pie Fixes Everything LLCUnderhill, VT · 2 loans$239K
- Cranmore Health Partners LLCNorth Conway, NH · 1 loan$225K
- Venos Specialty Foods LLCNorth Conway, NH · 2 loans$190K
- The Porch on Main LLCColebrook, NH · 2 loans$160K
- Boo's Storage LLCNorthumberland, NH · 1 loan$150K
- Kaiser Properties, LLCCambridge, VT · 1 loan$150K
- Grand Products LLCGrand Rapids, MI · 2 loans$144K
- Ammonoosuc River Kampground LLCLisbon, NH · 1 loan$130K
- Finish Solutions LLCBurlington, VT · 2 loans$123K
- Aubin Electric Inc.Lyndonville, VT · 1 loan$120K
- SACO RIVER BREWING TAPHAUS, LLCNorth Conway, NH · 1 loan$120K
- GRIFFIN RIDERS, LLCJericho, VT · 1 loan$106K
- Injury & Health Management Solutions, Inc.Williston, VT · 1 loan$100K
- NDA Associates PLLCWilliston, VT · 2 loans$81K
- Chang Thai Cafe LLCLittleton, NH · 1 loan$80K
- Wildwood Carpentry, LLCCambridge, VT · 1 loan$75K
- Elmore Mountain Therapeutics LLCMorrisville, VT · 2 loans$70K
- The Body Lab VT LLCSouth Burlington, VT · 2 loans$61K
- Valley Independent Pharmacy Inc.North Conway, NH · 1 loan$60K
- J Day LLCCraftsbury, VT · 1 loan$56K
- Stowe Red Barn Realty LLCStowe, VT · 1 loan$50K
- BHAKTIOM LLCNorth Conway, NH · 1 loan$50K
- North Country Hydraulics Inc.Littleton, NH · 1 loan$50K
- Starley LLCMoultonborough, NH · 1 loan$50K
- Horticulture Investment Properties, LLCCenter Conway, NH · 1 loan$50K
- Black Dog LLCLake Elmore, VT · 1 loan$50K
- Maple Tree Biomedical LLCEssex, VT · 1 loan$48K
- Chris ParkerLyndonville, VT · 2 loans$42K
- Elevate Movement Collective LLCStowe, VT · 1 loan$40K
- Great Big Graphics IncMorrisville, VT · 1 loan$40K
- MJS Property LLCMilton, VT · 1 loan$30K
- North Country Protective Coatings LLCLittleton, NH · 1 loan$30K
- Jedediah RandallHuntington, VT · 1 loan$25K
- ATHLETICS JOBS LLCMorrisville, VT · 2 loans$25K
- Douglas BlissUnderhill, VT · 1 loan$21K
- Hutch Custom Carpentry LLCMorrisville, VT · 1 loan$20K
- Cutler-Small PartnershipMorrisville, VT · 1 loan$16K
- Backcountry Landscapes LLCUnderhill, VT · 1 loan$11K
- DMB Floral Inc.Littleton, NH · 1 loan$10K
- Stark Construction LTD CO.Greensboro Bend, VT · 1 loan$10K
Work at Union Bank?
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CapBench analysis of public lending records, FY2020–present. Not affiliated with Union Bank.
Agent summary
This page summarizes Union Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.
- 61 SBA 7(a) loans on record
- $50K typical deal
- 5 business-acquisition loans
- HQ: 20 Main St, Morrisville, VT
- 21 FDIC branch locations
- FDIC total assets $1.6B
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.
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