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
293
2010–2026
Total Volume
$253M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
293 total segments
DFCU Financial has a strong focus on 504 loans, making up 28% of their total SBA deals. This is notably higher than the national average of 18%, indicating they are well-suited for borrowers seeking real estate financing.
With an average 7(a) spread of P+2.23%, DFCU Financial offers competitive pricing compared to the national median of P+2.75%. This could result in significant savings on interest for borrowers.
The lender's deal volume has decreased by 7% year-over-year, which may indicate a tightening of lending criteria. Borrowers should prepare for potentially more stringent approval processes.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 82 504 loans, which use fixed SBA debenture rates.
States where DFCU Financial has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Wholesale Trade
Wholesale Trade
Auto Repair & Maintenance
Other Services
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
Hotels & Accommodation
Accommodation & Food Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
+ 7 more
All recorded SBA lending activity for DFCU Financial, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Florida · Restaurants & Food Service · $150K – $350K | 7(a) | 12 | P+2.75% | $250K | Q4 2023 |
| Florida · Restaurants & Food Service · $350K – $500K | 7(a) | 10 | P+2.13% | $443K | Q2 2025 |
| Florida · Wholesale Trade · $150K – $350K | 7(a) | 6 | P+2.63% | $251K | Q3 2025 |
| Florida · Other Health Practitioners · $150K – $350K | 7(a) | 5 | P+1.00% | $273K | Q3 2025 |
| Florida · Other Repair & Services · $150K – $350K | 7(a) | 5 | P+2.50% | $227K | Q4 2024 |
| Florida · Restaurants & Food Service · $500K – $1M | 7(a) | 5 | P+2.50% | $715K | Q4 2022 |
| Florida · Specialty Trade Contractors · $150K – $350K | 7(a) | 5 | P+2.75% | $293K | Q1 2023 |
| Florida · Administrative & Waste Services · $150K – $350K | 7(a) | 4 | P+2.50% | $270K | Q4 2025 |
| Florida · Restaurants & Food Service · $1M – $2M | 7(a) | 4 | P+1.88% | $1.4M | Q4 2023 |
| Florida · Education · $150K – $350K | 7(a) | 4 | P+2.25% | $233K | Q4 2025 |
| Florida · Auto Repair & Maintenance · $150K – $350K | 7(a) | 4 | P+2.25% | $229K | Q2 2025 |
| Florida · Hotels & Accommodation · $2M – $5M | 7(a) | 4 | P+2.38% | $3.7M | Q4 2022 |
| Florida · Manufacturing · $150K – $350K | 7(a) | 3 | P+2.75% | $275K | Q3 2023 |
| Florida · Wholesale Trade · $150K – $350K | 504 | 3 | — | $289K | Q2 2023 |
| Florida · Social Assistance · $500K – $1M | 7(a) | 3 | P+2.75% | $708K | Q1 2025 |
| Florida · Arts, Entertainment & Recreation · $1M – $2M | 7(a) | 3 | P+2.25% | $1.7M | Q3 2024 |
| Florida · Retail Trade · $2M – $5M | 7(a) | 3 | P+1.25% | $4.5M | Q1 2024 |
| Florida · Management & IT Consulting · Under $150K | 7(a) | 3 | P+2.50% | $100K | Q1 2025 |
| Florida · Retail Trade · $150K – $350K | 7(a) | 3 | P+2.25% | $316K | Q4 2022 |
| Florida · Other Professional Services · $150K – $350K | 504 | 3 | — | $283K | Q4 2016 |
| Florida · Administrative & Waste Services · $1M – $2M | 7(a) | 3 | P+2.50% | $1.4M | Q4 2025 |
| Florida · Hotels & Accommodation · $2M – $5M | 504 | 3 | — | $3.7M | Q4 2025 |
| Florida · Restaurants & Food Service · $500K – $1M | 504 | 3 | — | $906K | Q1 2023 |
| Florida · Management & IT Consulting · $150K – $350K | 7(a) | 3 | P+2.50% | $308K | Q1 2025 |
| Florida · Auto Repair & Maintenance · $1M – $2M | 504 | 3 | — | $1.6M | Q3 2024 |
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