STRONG
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
92
2012–2025
Total Volume
$13M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
92 total segments
Most active in Virginia (98% of deals) and focuses heavily on transportation & warehousing (17% of deals).
Transportation & Warehousing makes up 17% of BayPort Federal Credit Union's deals — 7.3x the national average. This is a clear specialist, not a generalist who happens to do some transportation & warehousing lending.
35% of BayPort Federal Credit Union's SBA deals go to startups and new businesses — more startup-friendly than most SBA lenders, where existing businesses typically dominate.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 7 504 loans, which use fixed SBA debenture rates.
States where BayPort Federal Credit Union has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Transportation & Warehousing
Transportation & Warehousing
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Administrative & Waste Services
Administrative & Waste Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Other Repair & Services
Other Services
Specialty Trade Contractors
Construction
Social Assistance
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for BayPort Federal Credit Union, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Virginia · Transportation & Warehousing · Under $150K | 7(a) | 14 | P+1.97% | $50K | Q2 2023 |
| Virginia · Manufacturing · Under $150K | 7(a) | 8 | P+2.25% | $66K | Q3 2025 |
| Virginia · Restaurants & Food Service · Under $150K | 7(a) | 7 | P+2.50% | $67K | Q2 2020 |
| Virginia · Administrative & Waste Services · Under $150K | 7(a) | 7 | P+2.75% | $72K | Q4 2020 |
| Virginia · Arts, Entertainment & Recreation · Under $150K | 7(a) | 6 | P+3.00% | $76K | Q4 2023 |
| Virginia · Other Repair & Services · Under $150K | 7(a) | 4 | P+1.63% | $50K | Q4 2019 |
| Virginia · Social Assistance · Under $150K | 7(a) | 3 | P+1.00% | $97K | Q2 2019 |
| Virginia · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+2.00% | $232K | Q2 2021 |
| Virginia · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+3.00% | $50K | Q4 2019 |
| Virginia · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+1.75% | $242K | Q3 2020 |
| Virginia · Heavy & Civil Engineering · Under $150K | 7(a) | 2 | P+-1.68% | $97K | Q1 2024 |
| Virginia · Other Health Practitioners · Under $150K | 7(a) | 2 | P+3.12% | $40K | Q3 2019 |
| Virginia · Restaurants & Food Service · $350K – $500K | 7(a) | 1 | P+0.50% | $417K | Q3 2017 |
| Virginia · Auto Repair & Maintenance · Under $150K | 7(a) | 1 | P+3.25% | $40K | Q4 2011 |
| Virginia · Auto Repair & Maintenance · $500K – $1M | 7(a) | 1 | P+0.75% | $530K | Q1 2021 |
| Virginia · Agriculture & Forestry · Under $150K | 7(a) | 1 | P+2.00% | $35K | Q1 2019 |
| Virginia · Manufacturing · $150K – $350K | 7(a) | 1 | P+0.00% | $198K | Q3 2018 |
| Virginia · Wholesale Trade · Under $150K | 7(a) | 1 | P+3.75% | $20K | Q4 2011 |
| Virginia · Retail Trade · Under $150K | 7(a) | 1 | P+1.25% | $45K | Q4 2016 |
| Virginia · Retail Trade · $150K – $350K | 7(a) | 1 | P+3.50% | $195K | Q2 2022 |
| Virginia · Transportation & Warehousing · $150K – $350K | 7(a) | 1 | P+2.50% | $174K | Q2 2017 |
| Virginia · Information & Media · $150K – $350K | 7(a) | 1 | P+3.75% | $216K | Q2 2020 |
| Virginia · Real Estate · Under $150K | 7(a) | 1 | P+1.50% | $149K | Q4 2015 |
| Virginia · Administrative & Waste Services · $150K – $350K | 7(a) | 1 | P+0.50% | $324K | Q1 2019 |
| Virginia · Other Repair & Services · $350K – $500K | 504 | 1 | — | $482K | Q2 2025 |
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