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
2010–2025
Total Volume
$32M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
82 total segments
Most active in Michigan (93% of deals) and focuses heavily on restaurants & food service (12% of deals).
34% of CONSUMERS CREDIT UNION's SBA deals go to startups and new businesses — more startup-friendly than most SBA lenders, where existing businesses typically dominate.
82 SBA loans worth $31.6M since FY2010, with relatively steady volume year-over-year.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 43 504 loans, which use fixed SBA debenture rates.
States where CONSUMERS 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
Auto Repair & Maintenance
Other Services
Real Estate
Real Estate
Social Assistance
Health Care & Social Assistance
Other Health Practitioners
Health Care & Social Assistance
Hotels & Accommodation
Accommodation & Food Services
Specialty Trade Contractors
Construction
+ 7 more
All recorded SBA lending activity for CONSUMERS CREDIT UNION, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Michigan · Manufacturing · $500K – $1M | 7(a) | 4 | P+1.63% | $751K | Q2 2022 |
| Michigan · Restaurants & Food Service · $150K – $350K | 504 | 4 | — | $257K | Q2 2025 |
| Michigan · Other Health Practitioners · $150K – $350K | 7(a) | 2 | P+2.38% | $236K | Q1 2018 |
| Illinois · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+2.63% | $118K | Q4 2014 |
| Michigan · Auto Repair & Maintenance · $500K – $1M | 504 | 2 | — | $630K | Q3 2021 |
| Michigan · Auto Repair & Maintenance · $150K – $350K | 7(a) | 2 | P+2.50% | $237K | Q1 2017 |
| Michigan · Other Professional Services · $150K – $350K | 504 | 2 | — | $316K | Q3 2025 |
| Michigan · Finance & Insurance · $150K – $350K | 504 | 2 | — | $173K | Q1 2022 |
| Michigan · Real Estate · $150K – $350K | 504 | 2 | — | $264K | Q4 2022 |
| Michigan · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+2.00% | $247K | Q3 2019 |
| Michigan · Hotels & Accommodation · $150K – $350K | 504 | 2 | — | $250K | Q4 2023 |
| Michigan · Real Estate · $500K – $1M | 504 | 2 | — | $723K | Q4 2022 |
| Michigan · Other Health Practitioners · $150K – $350K | 504 | 2 | — | $270K | Q3 2025 |
| Michigan · Social Assistance · $150K – $350K | 7(a) | 1 | P+1.00% | $262K | Q4 2020 |
| Michigan · Social Assistance · $500K – $1M | 7(a) | 1 | P+1.00% | $585K | Q2 2022 |
| Michigan · Hotels & Accommodation · Under $150K | 7(a) | 1 | P+1.00% | $120K | Q2 2021 |
| Michigan · Restaurants & Food Service · $350K – $500K | 7(a) | 1 | P+0.50% | $396K | Q4 2019 |
| Michigan · Restaurants & Food Service · $500K – $1M | 7(a) | 1 | P+2.25% | $501K | Q1 2018 |
| Michigan · Personal Care (Salons, Spas) · Under $150K | 7(a) | 1 | P+4.25% | $25K | Q1 2014 |
| Michigan · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 1 | P+1.50% | $237K | Q2 2019 |
| Michigan · Other Repair & Services · $150K – $350K | 7(a) | 1 | P+2.00% | $300K | Q1 2021 |
| Michigan · Agriculture & Forestry · $150K – $350K | 7(a) | 1 | P+1.00% | $300K | Q4 2022 |
| Michigan · Manufacturing · $150K – $350K | 7(a) | 1 | P+0.25% | $235K | Q4 2019 |
| Michigan · Wholesale Trade · Under $150K | 7(a) | 1 | P+5.74% | $80K | Q2 2010 |
| Michigan · Retail Trade · $2M – $5M | 7(a) | 1 | P+1.25% | $2.0M | Q1 2018 |
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Real experiences from borrowers who closed SBA loans with CONSUMERS CREDIT UNION.
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