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
130
2010–2026
Total Volume
$61M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
130 total segments
Community Choice CU has a strong focus on existing businesses, with 57% of their deals supporting established companies. This could be beneficial if you're looking to expand or refinance an existing operation.
With an average 7(a) spread of P+1.97%, Community Choice CU offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
The lender's 21% share of 504 loans indicates a solid presence in real estate financing, which is advantageous if your business needs property acquisition or improvement.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 27 504 loans, which use fixed SBA debenture rates.
States where Community Choice CU 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
Food & Beverage Stores
Retail Trade
Personal Care (Salons, Spas)
Other Services
Miscellaneous Retail
Retail Trade
Transportation & Warehousing
Transportation & Warehousing
Specialty Trade Contractors
Construction
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for Community Choice CU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Michigan · Restaurants & Food Service · $150K – $350K | 7(a) | 6 | P+2.38% | $239K | Q4 2025 |
| Michigan · Personal Care (Salons, Spas) · Under $150K | 7(a) | 5 | P+2.25% | $48K | Q2 2019 |
| Michigan · Food & Beverage Stores · Under $150K | 7(a) | 5 | P+2.00% | $73K | Q1 2023 |
| Michigan · Specialty Trade Contractors · Under $150K | 7(a) | 5 | P+2.50% | $39K | Q2 2023 |
| Michigan · Transportation & Warehousing · Under $150K | 7(a) | 4 | P+1.63% | $36K | Q2 2022 |
| Michigan · Miscellaneous Retail · Under $150K | 7(a) | 4 | P+2.00% | $30K | Q2 2022 |
| Michigan · Restaurants & Food Service · Under $150K | 7(a) | 4 | P+1.38% | $98K | Q4 2022 |
| Iowa · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+2.75% | $124K | Q3 2013 |
| Michigan · Miscellaneous Retail · $1M – $2M | 504 | 3 | — | $1.2M | Q4 2025 |
| Michigan · Manufacturing · Under $150K | 7(a) | 3 | P+2.50% | $107K | Q2 2019 |
| Michigan · Manufacturing · $1M – $2M | 7(a) | 2 | P+2.00% | $1.4M | Q1 2025 |
| Michigan · Auto Dealers & Parts · Under $150K | 7(a) | 2 | P+2.25% | $75K | Q1 2022 |
| Michigan · Manufacturing · $150K – $350K | 7(a) | 2 | P+0.30% | $202K | Q4 2019 |
| Michigan · Wholesale Trade · Under $150K | 7(a) | 2 | P+1.75% | $63K | Q3 2021 |
| Michigan · Administrative & Waste Services · $1M – $2M | 7(a) | 2 | P+2.00% | $1.1M | Q2 2025 |
| Michigan · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+0.38% | $30K | Q4 2022 |
| Michigan · Retail Trade · $150K – $350K | 7(a) | 2 | P+1.12% | $265K | Q1 2018 |
| Michigan · Agriculture & Forestry · Under $150K | 7(a) | 2 | P+2.88% | $25K | Q4 2021 |
| Michigan · Manufacturing · $150K – $350K | 504 | 2 | — | $251K | Q2 2023 |
| Michigan · Restaurants & Food Service · $1M – $2M | 7(a) | 2 | P+1.88% | $1.5M | Q4 2025 |
| Michigan · Other Repair & Services · Under $150K | 7(a) | 2 | P+2.50% | $63K | Q1 2022 |
| Michigan · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 1 | P+0.50% | $251K | Q2 2019 |
| Michigan · Personal Care (Salons, Spas) · $350K – $500K | 7(a) | 1 | P+1.50% | $495K | Q3 2024 |
| Michigan · Personal Care (Salons, Spas) · $500K – $1M | 7(a) | 1 | P+2.75% | $556K | Q4 2024 |
| Michigan · Laundry & Dry Cleaning · $150K – $350K | 7(a) | 1 | P+0.50% | $180K | Q2 2019 |
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Real experiences from borrowers who closed SBA loans with Community Choice CU.
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