GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
223
2010–2026
Total Volume
$51M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
223 total segments
4Front Credit Union has a strong focus on existing businesses, with nearly half (48%) of their deals supporting established companies. This could be beneficial if you're looking to expand or refinance an existing business.
With an average 7(a) spread of P+2.32%, 4Front Credit Union offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of the loan.
4Front's growth trend shows a decline of 19% year-over-year in deal volume, which may indicate a tightening of lending criteria. If you're considering applying, be prepared for potentially more scrutiny during the approval process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 17 504 loans, which use fixed SBA debenture rates.
States where 4Front Credit Union has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Retail Trade
Retail Trade
Other Professional Services
Professional Services
Specialty Trade Contractors
Construction
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Administrative & Waste Services
Administrative & Waste Services
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for 4Front Credit Union, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Michigan · Restaurants & Food Service · Under $150K | 7(a) | 20 | P+2.75% | $87K | Q4 2025 |
| Michigan · Manufacturing · Under $150K | 7(a) | 17 | P+3.25% | $53K | Q2 2025 |
| Michigan · Manufacturing · $150K – $350K | 7(a) | 11 | P+2.00% | $277K | Q1 2024 |
| Michigan · Other Professional Services · Under $150K | 7(a) | 9 | P+2.75% | $96K | Q2 2025 |
| Michigan · Retail Trade · Under $150K | 7(a) | 9 | P+2.75% | $83K | Q1 2025 |
| Michigan · Administrative & Waste Services · Under $150K | 7(a) | 7 | P+3.00% | $85K | Q3 2025 |
| Michigan · Transportation & Warehousing · Under $150K | 7(a) | 7 | P+3.75% | $49K | Q3 2020 |
| Michigan · Restaurants & Food Service · $150K – $350K | 7(a) | 7 | P+2.75% | $277K | Q1 2024 |
| Michigan · General Merchandise · Under $150K | 7(a) | 6 | P+3.25% | $64K | Q3 2021 |
| Michigan · Other Repair & Services · Under $150K | 7(a) | 6 | P+2.10% | $53K | Q4 2024 |
| Michigan · Real Estate · Under $150K | 7(a) | 5 | P+3.75% | $55K | Q3 2012 |
| Michigan · Personal Care (Salons, Spas) · Under $150K | 7(a) | 5 | P+2.75% | $66K | Q1 2024 |
| Michigan · Auto Repair & Maintenance · Under $150K | 7(a) | 5 | P+3.25% | $56K | Q2 2025 |
| Michigan · Other Health Practitioners · Under $150K | 7(a) | 5 | P+3.25% | $55K | Q3 2024 |
| Michigan · Miscellaneous Retail · Under $150K | 7(a) | 5 | P+2.75% | $84K | Q2 2025 |
| Michigan · Specialty Trade Contractors · Under $150K | 7(a) | 5 | P+2.75% | $102K | Q1 2023 |
| Michigan · Auto Dealers & Parts · $150K – $350K | 7(a) | 4 | P+2.25% | $240K | Q2 2025 |
| Michigan · Arts, Entertainment & Recreation · Under $150K | 7(a) | 4 | P+2.50% | $65K | Q2 2023 |
| Michigan · Manufacturing · $500K – $1M | 7(a) | 4 | P+2.73% | $708K | Q2 2021 |
| Michigan · Agriculture & Forestry · $150K – $350K | 7(a) | 4 | P+2.95% | $284K | Q2 2018 |
| Michigan · Finance & Insurance · Under $150K | 7(a) | 3 | P+2.50% | $65K | Q2 2024 |
| Michigan · Sporting Goods & Hobby · Under $150K | 7(a) | 3 | P+3.50% | $72K | Q3 2019 |
| Michigan · Restaurants & Food Service · $150K – $350K | 504 | 3 | — | $270K | Q3 2024 |
| Michigan · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 3 | P+2.75% | $237K | Q3 2023 |
| Michigan · Agriculture & Forestry · $500K – $1M | 7(a) | 2 | P+2.75% | $565K | Q4 2013 |
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Real experiences from borrowers who closed SBA loans with 4Front Credit Union.
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