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
82
2015–2025
Total Volume
$40M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
82 total segments
Most active in Missouri (65% of deals) and focuses heavily on restaurants & food service (13% of deals).
With a median 7(a) spread of P + 1.53%, CommunityAmerica Federal Credit Union prices well below the national median of P + 2.00% — competitive pricing is a clear strength here.
35% of CommunityAmerica 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 12 504 loans, which use fixed SBA debenture rates.
States where CommunityAmerica 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
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Other Health Practitioners
Health Care & Social Assistance
Retail Trade
Retail Trade
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Social Assistance
Health Care & Social Assistance
Auto Dealers & Parts
Retail Trade
+ 7 more
All recorded SBA lending activity for CommunityAmerica Federal Credit Union, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Missouri · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+2.25% | $84K | Q3 2023 |
| Missouri · Other Health Practitioners · Under $150K | 7(a) | 3 | P+2.75% | $86K | Q4 2021 |
| Missouri · Manufacturing · Under $150K | 7(a) | 3 | P+2.50% | $70K | Q2 2025 |
| Missouri · Wholesale Trade · $150K – $350K | 7(a) | 2 | P+1.75% | $187K | Q3 2024 |
| Missouri · Specialty Trade Contractors · $500K – $1M | 504 | 2 | — | $645K | Q3 2023 |
| Missouri · Physician & Dental Offices · $350K – $500K | 7(a) | 2 | P+2.00% | $500K | Q2 2025 |
| Missouri · Arts, Entertainment & Recreation · Under $150K | 7(a) | 2 | P+2.25% | $120K | Q4 2021 |
| Kansas · Manufacturing · $1M – $2M | 7(a) | 2 | P+0.49% | $1.4M | Q1 2025 |
| Kansas · Specialty Trade Contractors · $350K – $500K | 7(a) | 2 | P+1.63% | $500K | Q3 2025 |
| Missouri · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+2.63% | $270K | Q1 2021 |
| Missouri · Manufacturing · $150K – $350K | 7(a) | 2 | P+1.63% | $250K | Q2 2025 |
| Kansas · Auto Repair & Maintenance · $500K – $1M | 7(a) | 1 | P+1.00% | $612K | Q1 2025 |
| Kansas · Personal Care (Salons, Spas) · Under $150K | 7(a) | 1 | P+2.00% | $124K | Q1 2020 |
| Kansas · Other Repair & Services · Under $150K | 7(a) | 1 | P+2.50% | $100K | Q3 2024 |
| Kansas · Other Repair & Services · $1M – $2M | 7(a) | 1 | P+0.75% | $1.5M | Q3 2024 |
| Kansas · Manufacturing · Under $150K | 7(a) | 1 | P+-0.76% | $49K | Q1 2025 |
| Kansas · Manufacturing · $150K – $350K | 7(a) | 1 | P+1.50% | $250K | Q3 2024 |
| Kansas · Manufacturing · $500K – $1M | 7(a) | 1 | P+1.00% | $1.0M | Q1 2025 |
| Kansas · Retail Trade · Under $150K | 7(a) | 1 | P+2.75% | $83K | Q3 2015 |
| Kansas · Information & Media · $1M – $2M | 7(a) | 1 | P+0.25% | $1.4M | Q2 2024 |
| Kansas · Information & Media · $350K – $500K | 7(a) | 1 | P+1.00% | $500K | Q2 2024 |
| Kansas · Finance & Insurance · $150K – $350K | 7(a) | 1 | P+2.00% | $248K | Q2 2024 |
| Kansas · Finance & Insurance · $350K – $500K | 7(a) | 1 | P+1.50% | $500K | Q2 2025 |
| Missouri · Specialty Trade Contractors · $150K – $350K | 7(a) | 1 | P+2.75% | $200K | Q3 2024 |
| Missouri · Specialty Trade Contractors · $350K – $500K | 7(a) | 1 | P+1.25% | $500K | Q4 2024 |
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