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
228
2011–2026
Total Volume
$221M
Gross loan amounts
States Active
6
With recorded loans
Programs
7(a) & 504
228 total segments
Financial Resources Federal Credit Union has a strong focus on existing businesses, with 58% of their deals supporting established companies. This makes them a good choice if you're looking to expand or refinance an existing business rather than starting something new.
With an average 7(a) spread of P+2.48%, Financial Resources Federal Credit Union 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.
Although they have minimal 504 presence, the lender's total volume of $221M and 228 deals indicate they are an active player in the SBA lending space. If you're looking for a lender with a solid track record, they could be a reliable option.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 6 504 loans, which use fixed SBA debenture rates.
States where Financial Resources Federal Credit Union has recorded SBA lending activity.
+ 1 more state
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Other Repair & Services
Other Services
Food & Beverage Stores
Retail Trade
Management & IT Consulting
Professional Services
Miscellaneous Retail
Retail Trade
Manufacturing
Manufacturing
Personal Care (Salons, Spas)
Other Services
+ 7 more
All recorded SBA lending activity for Financial Resources Federal Credit Union, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New Jersey · Restaurants & Food Service · Under $150K | 7(a) | 18 | P+2.75% | $71K | Q3 2025 |
| New Jersey · Restaurants & Food Service · $150K – $350K | 7(a) | 9 | P+2.75% | $257K | Q4 2023 |
| New Jersey · Other Repair & Services · $500K – $1M | 7(a) | 8 | P+2.75% | $755K | Q3 2020 |
| New Jersey · Restaurants & Food Service · $350K – $500K | 7(a) | 7 | P+2.75% | $431K | Q4 2018 |
| New Jersey · Other Repair & Services · Under $150K | 7(a) | 7 | P+2.75% | $121K | Q2 2018 |
| New Jersey · Restaurants & Food Service · $500K – $1M | 7(a) | 5 | P+2.75% | $664K | Q4 2025 |
| New Jersey · Personal Care (Salons, Spas) · Under $150K | 7(a) | 5 | P+2.75% | $58K | Q2 2018 |
| New Jersey · Food & Beverage Stores · $150K – $350K | 7(a) | 5 | P+2.75% | $253K | Q1 2023 |
| New Jersey · Management & IT Consulting · Under $150K | 7(a) | 4 | P+2.75% | $83K | Q3 2015 |
| New Jersey · Manufacturing · $2M – $5M | 7(a) | 4 | P+2.25% | $3.7M | Q1 2024 |
| New Jersey · Food & Beverage Stores · $1M – $2M | 7(a) | 4 | P+2.25% | $1.4M | Q3 2024 |
| New Jersey · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 4 | P+2.50% | $286K | Q2 2018 |
| New Jersey · Arts, Entertainment & Recreation · Under $150K | 7(a) | 4 | P+2.75% | $107K | Q4 2015 |
| New Jersey · Other Repair & Services · $150K – $350K | 7(a) | 3 | P+2.75% | $218K | Q1 2013 |
| Pennsylvania · Miscellaneous Retail · $1M – $2M | 7(a) | 3 | P+2.25% | $1.6M | Q2 2025 |
| New Jersey · Other Repair & Services · $1M – $2M | 7(a) | 3 | P+2.75% | $1.5M | Q4 2022 |
| New Jersey · Food & Beverage Stores · $500K – $1M | 7(a) | 3 | P+2.50% | $608K | Q2 2023 |
| New Jersey · Specialty Trade Contractors · $2M – $5M | 7(a) | 2 | P+2.50% | $3.2M | Q3 2023 |
| Pennsylvania · Miscellaneous Retail · $350K – $500K | 7(a) | 2 | P+2.38% | $390K | Q1 2025 |
| New Jersey · Real Estate · Under $150K | 7(a) | 2 | P+2.75% | $80K | Q4 2015 |
| New Jersey · Real Estate · $500K – $1M | 7(a) | 2 | P+2.38% | $723K | Q2 2018 |
| New Jersey · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+2.75% | $263K | Q3 2024 |
| New Jersey · Manufacturing · Under $150K | 7(a) | 2 | P+2.63% | $100K | Q4 2017 |
| New Jersey · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+2.25% | $315K | Q3 2023 |
| New Jersey · Other Health Practitioners · $150K – $350K | 7(a) | 2 | P+2.75% | $275K | Q2 2024 |
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Real experiences from borrowers who closed SBA loans with Financial Resources Federal Credit Union.
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