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
298
2010–2026
Total Volume
$34M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a)
298 total segments
Community First Capital Corp focuses heavily on smaller deals, with 81% of their total 298 loans under $150K. This makes them a strong option for startups and small businesses needing less capital.
Their average 7(a) spread is P+3.22%, which is higher than the national median of P+2.75%. This suggests that while they are a reliable lender, borrowers may want to shop around for better rates.
With a significant portion of their loans (46%) going to existing businesses, Community First Capital Corp is well-suited for established companies looking to expand rather than just startups.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes.
States where Community First Capital Corp 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
Social Assistance
Health Care & Social Assistance
Specialty Trade Contractors
Construction
Wholesale Trade
Wholesale Trade
Retail Trade
Retail Trade
Education
Education
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Community First Capital Corp, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Pennsylvania · Restaurants & Food Service · Under $150K | 7(a) | 35 | P+4.50% | $73K | Q4 2025 |
| Pennsylvania · Manufacturing · Under $150K | 7(a) | 25 | P+4.50% | $70K | Q4 2022 |
| Pennsylvania · Social Assistance · Under $150K | 7(a) | 18 | P+4.06% | $70K | Q4 2025 |
| Pennsylvania · Specialty Trade Contractors · Under $150K | 7(a) | 14 | P+4.50% | $84K | Q3 2022 |
| Pennsylvania · Retail Trade · Under $150K | 7(a) | 13 | P+4.50% | $53K | Q4 2021 |
| Pennsylvania · Other Repair & Services · Under $150K | 7(a) | 12 | P+4.01% | $78K | Q1 2025 |
| Pennsylvania · Education · Under $150K | 7(a) | 12 | P+3.13% | $65K | Q3 2025 |
| Pennsylvania · Other Health Practitioners · Under $150K | 7(a) | 11 | P+5.38% | $69K | Q1 2020 |
| Pennsylvania · General Merchandise · Under $150K | 7(a) | 10 | P+3.50% | $72K | Q2 2021 |
| Pennsylvania · Restaurants & Food Service · $150K – $350K | 7(a) | 10 | P+2.75% | $230K | Q4 2021 |
| Pennsylvania · Transportation & Warehousing · Under $150K | 7(a) | 9 | P+2.25% | $67K | Q1 2025 |
| Pennsylvania · Miscellaneous Retail · Under $150K | 7(a) | 9 | P+2.00% | $72K | Q3 2025 |
| Pennsylvania · Wholesale Trade · Under $150K | 7(a) | 8 | P+4.50% | $63K | Q3 2024 |
| Pennsylvania · Personal Care (Salons, Spas) · Under $150K | 7(a) | 8 | P+4.41% | $50K | Q4 2020 |
| Pennsylvania · Auto Repair & Maintenance · Under $150K | 7(a) | 7 | P+6.50% | $51K | Q4 2017 |
| Pennsylvania · Food & Beverage Stores · Under $150K | 7(a) | 7 | P+4.02% | $60K | Q1 2022 |
| Pennsylvania · Arts, Entertainment & Recreation · Under $150K | 7(a) | 6 | P+4.50% | $59K | Q1 2022 |
| Pennsylvania · Real Estate · Under $150K | 7(a) | 5 | P+4.50% | $59K | Q4 2018 |
| Pennsylvania · Management & IT Consulting · Under $150K | 7(a) | 5 | P+2.25% | $80K | Q1 2025 |
| Pennsylvania · Administrative & Waste Services · Under $150K | 7(a) | 4 | P+4.63% | $40K | Q1 2020 |
| Pennsylvania · Physician & Dental Offices · Under $150K | 7(a) | 4 | P+2.63% | $51K | Q1 2020 |
| Pennsylvania · Wholesale Trade · $350K – $500K | 7(a) | 4 | P+0.13% | $500K | Q3 2024 |
| Pennsylvania · Auto Repair & Maintenance · $150K – $350K | 7(a) | 4 | P+3.50% | $222K | Q4 2020 |
| Pennsylvania · Building Construction · Under $150K | 7(a) | 3 | P+3.84% | $58K | Q4 2023 |
| Pennsylvania · Engineering & Architecture · Under $150K | 7(a) | 3 | P+4.88% | $84K | Q1 2019 |
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Real experiences from borrowers who closed SBA loans with Community First Capital Corp.
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