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
211
2011–2024
Total Volume
$86M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a)
211 total segments
Credit Union One focuses almost exclusively on existing businesses, with 71% of their deals in this category. If you're an established business looking for funding, this lender could be a strong fit.
With an average 7(a) spread of P+2.16%, Credit Union One 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.
Credit Union One's deal volume has dropped by 55% year-over-year, indicating a potential tightening in lending. This trend may affect your chances of approval, especially if you are a first-time borrower.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes.
States where Credit Union One has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Real Estate
Real Estate
Food & Beverage Stores
Retail Trade
Physician & Dental Offices
Health Care & Social Assistance
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
+ 7 more
All recorded SBA lending activity for Credit Union One, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Michigan · Restaurants & Food Service · Under $150K | 7(a) | 10 | P+2.75% | $54K | Q4 2019 |
| Michigan · Auto Repair & Maintenance · Under $150K | 7(a) | 8 | P+2.63% | $105K | Q2 2022 |
| Michigan · Specialty Trade Contractors · $150K – $350K | 7(a) | 8 | P+2.00% | $271K | Q1 2016 |
| Michigan · Manufacturing · Under $150K | 7(a) | 6 | P+2.50% | $80K | Q2 2021 |
| Michigan · Specialty Trade Contractors · Under $150K | 7(a) | 6 | P+2.75% | $125K | Q2 2021 |
| Michigan · Restaurants & Food Service · $150K – $350K | 7(a) | 6 | P+2.50% | $277K | Q2 2013 |
| Michigan · Physician & Dental Offices · Under $150K | 7(a) | 6 | P+2.25% | $82K | Q4 2019 |
| Michigan · Retail Trade · $150K – $350K | 7(a) | 5 | P+2.25% | $286K | Q4 2012 |
| Michigan · Other Repair & Services · Under $150K | 7(a) | 5 | P+2.25% | $86K | Q3 2022 |
| Michigan · Auto Repair & Maintenance · $150K – $350K | 7(a) | 5 | P+2.50% | $248K | Q3 2016 |
| Michigan · Real Estate · $150K – $350K | 7(a) | 5 | P+2.50% | $239K | Q4 2022 |
| Michigan · Manufacturing · $150K – $350K | 7(a) | 4 | P+1.13% | $275K | Q4 2022 |
| Michigan · Auto Dealers & Parts · $150K – $350K | 7(a) | 4 | P+2.38% | $288K | Q1 2020 |
| Michigan · Food & Beverage Stores · Under $150K | 7(a) | 4 | P+2.25% | $106K | Q3 2020 |
| Michigan · Manufacturing · $350K – $500K | 7(a) | 4 | P+2.13% | $462K | Q2 2016 |
| Michigan · Legal Services · Under $150K | 7(a) | 3 | P+2.25% | $133K | Q1 2023 |
| Michigan · Other Health Practitioners · $150K – $350K | 7(a) | 3 | P+2.50% | $318K | Q2 2024 |
| Michigan · Food & Beverage Stores · $150K – $350K | 7(a) | 3 | P+2.75% | $247K | Q2 2017 |
| Michigan · Other Professional Services · $150K – $350K | 7(a) | 3 | P+2.75% | $305K | Q1 2022 |
| Michigan · Real Estate · $500K – $1M | 7(a) | 3 | P+2.25% | $707K | Q2 2014 |
| Michigan · Arts, Entertainment & Recreation · Under $150K | 7(a) | 3 | P+2.25% | $62K | Q3 2015 |
| Michigan · Transportation & Warehousing · $150K – $350K | 7(a) | 3 | P+1.50% | $300K | Q3 2022 |
| Michigan · Social Assistance · Under $150K | 7(a) | 3 | P+2.25% | $90K | Q3 2017 |
| Michigan · Arts, Entertainment & Recreation · $1M – $2M | 7(a) | 3 | P+2.50% | $1.3M | Q3 2014 |
| Michigan · Auto Repair & Maintenance · $500K – $1M | 7(a) | 3 | P+2.75% | $619K | Q3 2015 |
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Real experiences from borrowers who closed SBA loans with Credit Union One.
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