GOOD
How competitive are their spreads? Lower = better for you.
FAIR
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
64
2010–2024
Total Volume
$11M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a)
64 total segments
Most active in Hawaii (98% of deals) and focuses heavily on restaurants & food service (14% of deals).
With a median 7(a) spread of P + 3.32%, Gather FCU prices well above the national median of P + 2.00% — worth comparing against specialists in your industry.
64 SBA loans worth $10.8M since FY2010, though deal volume has declined 56% from the prior year.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes.
States where Gather FCU has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Administrative & Waste Services
Administrative & Waste Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Transportation & Warehousing
Transportation & Warehousing
Building Construction
Construction
Education
Education
Personal Care (Salons, Spas)
Other Services
+ 7 more
All recorded SBA lending activity for Gather FCU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Hawaii · Administrative & Waste Services · Under $150K | 7(a) | 7 | P+4.00% | $47K | Q1 2017 |
| Hawaii · Specialty Trade Contractors · Under $150K | 7(a) | 6 | P+4.00% | $58K | Q3 2017 |
| Hawaii · Manufacturing · Under $150K | 7(a) | 5 | P+4.00% | $42K | Q4 2019 |
| Hawaii · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+2.75% | $240K | Q2 2017 |
| Hawaii · Transportation & Warehousing · Under $150K | 7(a) | 4 | P+4.00% | $39K | Q1 2018 |
| Hawaii · Restaurants & Food Service · Under $150K | 7(a) | 4 | P+4.00% | $50K | Q1 2017 |
| Hawaii · Building Construction · Under $150K | 7(a) | 3 | P+4.00% | $40K | Q3 2014 |
| Hawaii · Education · Under $150K | 7(a) | 3 | P+4.00% | $33K | Q2 2016 |
| Hawaii · General Merchandise · Under $150K | 7(a) | 2 | P+4.00% | $50K | Q3 2017 |
| Hawaii · Real Estate · Under $150K | 7(a) | 2 | P+4.13% | $32K | Q4 2016 |
| Hawaii · Retail Trade · Under $150K | 7(a) | 2 | P+3.50% | $30K | Q4 2010 |
| Hawaii · Legal Services · Under $150K | 7(a) | 2 | P+3.38% | $50K | Q3 2015 |
| Hawaii · Physician & Dental Offices · Under $150K | 7(a) | 2 | P+4.00% | $58K | Q4 2014 |
| Hawaii · Miscellaneous Retail · Under $150K | 7(a) | 2 | P+4.00% | $48K | Q2 2016 |
| Hawaii · Administrative & Waste Services · $150K – $350K | 7(a) | 1 | P+1.00% | $170K | Q1 2018 |
| Hawaii · Arts, Entertainment & Recreation · Under $150K | 7(a) | 1 | P+2.75% | $80K | Q1 2014 |
| Oregon · Manufacturing · Under $150K | 7(a) | 1 | P+3.75% | $35K | Q2 2010 |
| Hawaii · Specialty Trade Contractors · $500K – $1M | 7(a) | 1 | P+2.75% | $686K | Q1 2020 |
| Hawaii · Other Health Practitioners · Under $150K | 7(a) | 1 | P+4.00% | $50K | Q4 2017 |
| Hawaii · Nursing & Residential Care · Under $150K | 7(a) | 1 | P+4.00% | $35K | Q4 2013 |
| Hawaii · Restaurants & Food Service · $500K – $1M | 7(a) | 1 | P+2.50% | $580K | Q1 2017 |
| Hawaii · Personal Care (Salons, Spas) · Under $150K | 7(a) | 1 | P+4.00% | $50K | Q4 2010 |
| Hawaii · Personal Care (Salons, Spas) · $500K – $1M | 7(a) | 1 | P+2.25% | $610K | Q3 2017 |
| Hawaii · Laundry & Dry Cleaning · $350K – $500K | 7(a) | 1 | P+2.75% | $480K | Q4 2016 |
| Hawaii · Agriculture & Forestry · Under $150K | 7(a) | 1 | P+1.00% | $79K | Q4 2017 |
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Real experiences from borrowers who closed SBA loans with Gather FCU.
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