GOOD
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
114
2011–2026
Total Volume
$67M
Gross loan amounts
States Active
1
With recorded loans
Programs
504
113 total segments
FAIRWINDS CU is a 504-only lender, focusing entirely on real estate and equipment financing, which is ideal for established businesses looking to expand.
With an average deal size of $592,708, FAIRWINDS CU is well-suited for businesses needing substantial financing, particularly in the $150K-$1M range.
FAIRWINDS CU's growth trend shows a significant decline of 55% year-over-year, indicating potential challenges in securing future financing from them.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 113 504 loans, which use fixed SBA debenture rates.
States where FAIRWINDS CU has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Physician & Dental Offices
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
Other Repair & Services
Other Services
Restaurants & Food Service
Accommodation & Food Services
Transportation & Warehousing
Transportation & Warehousing
Other Health Practitioners
Health Care & Social Assistance
Heavy & Civil Engineering
Construction
+ 7 more
All recorded SBA lending activity for FAIRWINDS CU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Florida · Specialty Trade Contractors · $500K – $1M | 504 | 8 | — | $644K | Q3 2024 |
| Florida · Other Repair & Services · $150K – $350K | 504 | 4 | — | $288K | Q2 2024 |
| Florida · Transportation & Warehousing · $500K – $1M | 504 | 4 | — | $765K | Q3 2024 |
| Florida · Specialty Trade Contractors · $150K – $350K | 504 | 4 | — | $248K | Q1 2021 |
| Florida · Physician & Dental Offices · $150K – $350K | 504 | 3 | — | $231K | Q4 2018 |
| Florida · Specialty Trade Contractors · $350K – $500K | 504 | 3 | — | $437K | Q2 2025 |
| Florida · Finance & Insurance · $150K – $350K | 504 | 3 | — | $184K | Q4 2025 |
| Florida · Other Professional Services · $150K – $350K | 504 | 3 | — | $208K | Q1 2025 |
| Florida · Administrative & Waste Services · $150K – $350K | 504 | 3 | — | $205K | Q1 2025 |
| Florida · Specialty Trade Contractors · $1M – $2M | 504 | 3 | — | $1.4M | Q4 2024 |
| Florida · Information & Media · $150K – $350K | 504 | 3 | — | $199K | Q3 2025 |
| Florida · Restaurants & Food Service · $150K – $350K | 504 | 2 | — | $335K | Q4 2021 |
| Florida · Specialty Trade Contractors · Under $150K | 504 | 2 | — | $85K | Q3 2016 |
| Florida · Miscellaneous Retail · $150K – $350K | 504 | 2 | — | $174K | Q3 2024 |
| Florida · Management & IT Consulting · $350K – $500K | 504 | 2 | — | $369K | Q2 2022 |
| Florida · Building Construction · $150K – $350K | 504 | 2 | — | $301K | Q2 2019 |
| Florida · Restaurants & Food Service · $500K – $1M | 504 | 2 | — | $824K | Q2 2022 |
| Florida · Other Health Practitioners · $150K – $350K | 504 | 2 | — | $232K | Q4 2024 |
| Florida · Real Estate · Under $150K | 504 | 2 | — | $89K | Q1 2025 |
| Florida · Heavy & Civil Engineering · $350K – $500K | 504 | 2 | — | $452K | Q1 2023 |
| Florida · Retail Trade · $1M – $2M | 504 | 1 | — | $1.7M | Q2 2023 |
| Florida · Administrative & Waste Services · $350K – $500K | 504 | 1 | — | $486K | Q1 2021 |
| Florida · Management & IT Consulting · $150K – $350K | 504 | 1 | — | $262K | Q3 2020 |
| Florida · Hotels & Accommodation · $2M – $5M | 504 | 1 | — | $3.8M | Q2 2012 |
| Florida · Retail Trade · $500K – $1M | 504 | 1 | — | $567K | Q4 2021 |
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Real experiences from borrowers who closed SBA loans with FAIRWINDS CU.
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