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
135
2010–2025
Total Volume
$42M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
135 total segments
California Federal Credit Union has a strong focus on existing businesses, with 84% of their deals supporting acquisitions. This makes them a suitable choice for buyers looking to purchase established companies.
With an average 7(a) spread of P+2.36%, California Federal Credit Union offers competitive pricing compared to the national median of P+2.75%. This could lead to significant savings on interest costs for borrowers.
The lender's growth trend shows a decline of 43% year-over-year in deal volume, which may indicate a tightening of lending criteria. Borrowers should be prepared for potentially stricter approval processes.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 16 504 loans, which use fixed SBA debenture rates.
States where California Federal 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
Wholesale Trade
Wholesale Trade
Manufacturing
Manufacturing
Physician & Dental Offices
Health Care & Social Assistance
Engineering & Architecture
Professional Services
Accounting & Tax
Professional Services
Information & Media
Information & Media
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
+ 7 more
All recorded SBA lending activity for California Federal Credit Union, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 9 | P+2.50% | $248K | Q4 2019 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 9 | P+2.75% | $96K | Q1 2024 |
| California · Physician & Dental Offices · Under $150K | 7(a) | 6 | P+2.25% | $63K | Q4 2012 |
| California · Manufacturing · Under $150K | 7(a) | 6 | P+2.50% | $72K | Q4 2014 |
| California · Accounting & Tax · Under $150K | 7(a) | 5 | P+3.00% | $51K | Q3 2016 |
| California · Information & Media · Under $150K | 7(a) | 5 | P+2.75% | $105K | Q2 2023 |
| California · Wholesale Trade · Under $150K | 7(a) | 5 | P+2.75% | $100K | Q2 2014 |
| California · Arts, Entertainment & Recreation · Under $150K | 7(a) | 3 | P+2.75% | $92K | Q4 2013 |
| California · Auto Repair & Maintenance · Under $150K | 7(a) | 3 | P+2.75% | $70K | Q1 2013 |
| California · Retail Trade · Under $150K | 7(a) | 3 | P+2.75% | $100K | Q2 2012 |
| California · Other Health Practitioners · Under $150K | 7(a) | 3 | P+2.00% | $83K | Q3 2011 |
| California · Wholesale Trade · $500K – $1M | 7(a) | 3 | P+2.25% | $628K | Q4 2016 |
| California · Engineering & Architecture · Under $150K | 7(a) | 3 | P+2.50% | $103K | Q2 2016 |
| California · Finance & Insurance · Under $150K | 7(a) | 3 | P+2.75% | $63K | Q4 2015 |
| California · Wholesale Trade · $150K – $350K | 7(a) | 2 | P+2.25% | $275K | Q1 2016 |
| California · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+2.88% | $83K | Q4 2016 |
| California · General Merchandise · Under $150K | 7(a) | 2 | P+2.25% | $75K | Q2 2012 |
| California · Social Assistance · Under $150K | 7(a) | 2 | P+2.75% | $115K | Q2 2017 |
| California · Social Assistance · $150K – $350K | 7(a) | 2 | P+2.75% | $250K | Q3 2013 |
| California · Engineering & Architecture · $350K – $500K | 7(a) | 2 | P+2.00% | $488K | Q4 2015 |
| California · Management & IT Consulting · $150K – $350K | 7(a) | 2 | P+2.13% | $200K | Q2 2022 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 2 | P+2.13% | $602K | Q2 2019 |
| California · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 2 | P+1.75% | $270K | Q1 2017 |
| California · Restaurants & Food Service · $350K – $500K | 504 | 2 | — | $457K | Q2 2020 |
| California · Specialty Trade Contractors · $150K – $350K | 504 | 2 | — | $182K | Q1 2017 |
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Real experiences from borrowers who closed SBA loans with California Federal Credit Union.
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