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
147
2010–2025
Total Volume
$23M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
147 total segments
EastRise Federal Credit Union has a strong focus on smaller deals, with 81% of their transactions under $150K. If you're seeking a larger loan, this may not be the best fit.
With a 12% share of 504 loans, EastRise offers a decent option for real estate financing, though it's slightly below the national average of 18%.
The lender's average 7(a) spread of P+1.79% is more favorable than the national median of P+2.75%, making it a cost-effective choice for borrowers.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 17 504 loans, which use fixed SBA debenture rates.
States where EastRise 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
Other Health Practitioners
Health Care & Social Assistance
Transportation & Warehousing
Transportation & Warehousing
Administrative & Waste Services
Administrative & Waste Services
Manufacturing
Manufacturing
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Hotels & Accommodation
Accommodation & Food Services
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for EastRise Federal Credit Union, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Vermont · Restaurants & Food Service · Under $150K | 7(a) | 13 | P+2.63% | $65K | Q2 2025 |
| Vermont · Transportation & Warehousing · Under $150K | 7(a) | 13 | P+1.90% | $44K | Q3 2023 |
| Vermont · Other Health Practitioners · Under $150K | 7(a) | 11 | P+2.25% | $57K | Q2 2024 |
| Vermont · Administrative & Waste Services · Under $150K | 7(a) | 11 | P+3.00% | $50K | Q2 2023 |
| Vermont · Manufacturing · Under $150K | 7(a) | 9 | P+3.00% | $51K | Q1 2024 |
| Vermont · Arts, Entertainment & Recreation · Under $150K | 7(a) | 6 | P+1.75% | $64K | Q3 2022 |
| Vermont · Other Repair & Services · Under $150K | 7(a) | 4 | P+1.38% | $45K | Q4 2022 |
| Vermont · Management & IT Consulting · Under $150K | 7(a) | 4 | P+3.25% | $27K | Q1 2022 |
| Vermont · Specialty Trade Contractors · Under $150K | 7(a) | 4 | P+1.63% | $65K | Q4 2022 |
| Vermont · Building Construction · Under $150K | 7(a) | 3 | P+3.75% | $41K | Q3 2022 |
| Vermont · Agriculture & Forestry · Under $150K | 7(a) | 3 | P+0.50% | $47K | Q2 2023 |
| Vermont · Auto Repair & Maintenance · Under $150K | 7(a) | 3 | P+1.60% | $80K | Q4 2020 |
| Vermont · Real Estate · Under $150K | 7(a) | 3 | P+1.25% | $77K | Q2 2022 |
| Vermont · Legal Services · Under $150K | 7(a) | 3 | P+1.50% | $15K | Q1 2022 |
| Vermont · Other Professional Services · Under $150K | 7(a) | 3 | P+2.00% | $61K | Q1 2021 |
| Vermont · Auto Dealers & Parts · Under $150K | 7(a) | 2 | P+3.75% | $88K | Q1 2020 |
| Vermont · Information & Media · Under $150K | 7(a) | 2 | P+2.63% | $40K | Q4 2014 |
| Vermont · Hotels & Accommodation · Under $150K | 7(a) | 2 | P+3.38% | $34K | Q4 2011 |
| Vermont · Education · Under $150K | 7(a) | 2 | P+1.55% | $90K | Q4 2019 |
| Vermont · Hotels & Accommodation · $150K – $350K | 7(a) | 2 | P+0.75% | $250K | Q3 2022 |
| Vermont · Food & Beverage Stores · Under $150K | 7(a) | 2 | P+1.13% | $93K | Q3 2023 |
| Vermont · Nursing & Residential Care · Under $150K | 7(a) | 2 | P+1.00% | $36K | Q3 2022 |
| Vermont · Personal Care (Salons, Spas) · Under $150K | 504 | 2 | — | $97K | Q3 2020 |
| Vermont · Physician & Dental Offices · Under $150K | 7(a) | 2 | P+0.38% | $24K | Q2 2023 |
| Vermont · Retail Trade · Under $150K | 7(a) | 2 | P+1.50% | $30K | Q2 2020 |
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Real experiences from borrowers who closed SBA loans with EastRise Federal Credit Union.
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