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
232
2010–2025
Total Volume
$40M
Gross loan amounts
States Active
7
With recorded loans
Programs
7(a) & 504
232 total segments
Capital CU primarily serves startups, with 52% of their deals going to new businesses. If you're a first-time borrower, this could be a good fit for you.
With an average 7(a) spread of P+2.20%, Capital CU offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest.
Capital CU has seen a decline of 27% in their deal volume year-over-year. This trend may indicate a tighter lending environment, so be prepared for potentially stricter approval criteria.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 11 504 loans, which use fixed SBA debenture rates.
States where Capital CU has recorded SBA lending activity.
+ 2 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Agriculture & Forestry
Agriculture & Forestry
Transportation & Warehousing
Transportation & Warehousing
Specialty Trade Contractors
Construction
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for Capital CU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| North Dakota · Specialty Trade Contractors · Under $150K | 7(a) | 22 | P+2.30% | $48K | Q1 2024 |
| North Dakota · Transportation & Warehousing · Under $150K | 7(a) | 21 | P+3.25% | $55K | Q3 2023 |
| North Dakota · Restaurants & Food Service · Under $150K | 7(a) | 16 | P+1.82% | $84K | Q3 2021 |
| North Dakota · Agriculture & Forestry · Under $150K | 7(a) | 15 | P+2.50% | $69K | Q1 2016 |
| North Dakota · Manufacturing · Under $150K | 7(a) | 14 | P+3.00% | $51K | Q3 2022 |
| North Dakota · Other Health Practitioners · Under $150K | 7(a) | 11 | P+2.25% | $39K | Q3 2019 |
| North Dakota · Administrative & Waste Services · Under $150K | 7(a) | 8 | P+2.00% | $58K | Q2 2021 |
| North Dakota · Agriculture & Forestry · $150K – $350K | 7(a) | 7 | P+1.25% | $242K | Q2 2019 |
| North Dakota · Retail Trade · Under $150K | 7(a) | 6 | P+2.75% | $46K | Q3 2017 |
| North Dakota · Agriculture & Forestry · $500K – $1M | 7(a) | 6 | P+1.13% | $900K | Q4 2020 |
| North Dakota · Arts, Entertainment & Recreation · Under $150K | 7(a) | 5 | P+3.75% | $49K | Q1 2018 |
| North Dakota · Auto Repair & Maintenance · Under $150K | 7(a) | 5 | P+2.25% | $61K | Q2 2019 |
| North Dakota · Real Estate · Under $150K | 7(a) | 5 | P+2.75% | $54K | Q4 2016 |
| North Dakota · Food & Beverage Stores · Under $150K | 7(a) | 4 | P+2.75% | $106K | Q1 2016 |
| North Dakota · Other Repair & Services · Under $150K | 7(a) | 4 | P+2.50% | $57K | Q2 2022 |
| North Dakota · Social Assistance · Under $150K | 7(a) | 4 | P+1.63% | $49K | Q3 2023 |
| North Dakota · Miscellaneous Retail · Under $150K | 7(a) | 3 | P+2.25% | $73K | Q4 2024 |
| North Dakota · Wholesale Trade · Under $150K | 7(a) | 3 | P+3.50% | $85K | Q3 2018 |
| North Dakota · Accounting & Tax · Under $150K | 7(a) | 3 | P+2.25% | $110K | Q4 2019 |
| North Dakota · Building Construction · Under $150K | 7(a) | 3 | P+2.25% | $64K | Q4 2023 |
| North Dakota · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+3.25% | $33K | Q3 2018 |
| North Dakota · Physician & Dental Offices · Under $150K | 7(a) | 3 | P+1.75% | $63K | Q2 2018 |
| North Dakota · Finance & Insurance · Under $150K | 7(a) | 3 | P+2.50% | $47K | Q3 2016 |
| North Dakota · Other Repair & Services · $150K – $350K | 504 | 2 | — | $212K | Q3 2021 |
| Illinois · Transportation & Warehousing · Under $150K | 7(a) | 2 | P+2.02% | $44K | Q4 2016 |
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Real experiences from borrowers who closed SBA loans with Capital CU.
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