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
240
2010–2026
Total Volume
$146M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
240 total segments
Gesa CU has a strong focus on acquisitions, with 56% of their SBA deals aimed at buying existing businesses. This makes them a solid choice for buyers looking to expand.
With an average 7(a) spread of P+2.09%, Gesa CU offers competitive pricing compared to the national median of P+2.75%. This could save borrowers money on interest.
Despite a solid volume of $146M in SBA loans, Gesa CU's growth trend shows a decline of 10% year-over-year. This may indicate a tightening of lending criteria, which could affect approval chances.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 25 504 loans, which use fixed SBA debenture rates.
States where Gesa CU has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Nursing & Residential Care
Health Care & Social Assistance
Other Health Practitioners
Health Care & Social Assistance
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Food & Beverage Stores
Retail Trade
Auto Repair & Maintenance
Other Services
Miscellaneous Retail
Retail Trade
+ 7 more
All recorded SBA lending activity for Gesa CU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Washington · Restaurants & Food Service · $150K – $350K | 7(a) | 18 | P+2.25% | $268K | Q1 2025 |
| Washington · Restaurants & Food Service · Under $150K | 7(a) | 14 | P+3.00% | $81K | Q3 2025 |
| Washington · Nursing & Residential Care · $1M – $2M | 7(a) | 12 | P+1.25% | $1.3M | Q1 2025 |
| Washington · Restaurants & Food Service · $500K – $1M | 7(a) | 9 | P+2.00% | $807K | Q4 2025 |
| Washington · Restaurants & Food Service · $350K – $500K | 7(a) | 9 | P+2.00% | $437K | Q4 2024 |
| Washington · Specialty Trade Contractors · Under $150K | 7(a) | 7 | P+2.75% | $104K | Q3 2025 |
| Washington · Other Health Practitioners · Under $150K | 7(a) | 6 | P+2.88% | $75K | Q4 2025 |
| Washington · Food & Beverage Stores · $500K – $1M | 7(a) | 5 | P+2.25% | $776K | Q3 2024 |
| Washington · Other Professional Services · Under $150K | 7(a) | 5 | P+3.00% | $55K | Q4 2025 |
| Washington · Nursing & Residential Care · $500K – $1M | 7(a) | 5 | P+1.25% | $879K | Q4 2024 |
| Washington · Restaurants & Food Service · $1M – $2M | 7(a) | 5 | P+1.25% | $1.6M | Q4 2024 |
| Washington · Auto Repair & Maintenance · $500K – $1M | 7(a) | 5 | P+1.75% | $703K | Q4 2024 |
| Washington · Personal Care (Salons, Spas) · Under $150K | 7(a) | 5 | P+2.25% | $52K | Q4 2014 |
| Washington · Administrative & Waste Services · Under $150K | 7(a) | 4 | P+3.13% | $70K | Q3 2025 |
| Washington · Specialty Trade Contractors · $350K – $500K | 7(a) | 4 | P+2.63% | $442K | Q3 2023 |
| Washington · Manufacturing · Under $150K | 7(a) | 4 | P+3.00% | $111K | Q2 2025 |
| Washington · Food & Beverage Stores · $1M – $2M | 7(a) | 3 | P+0.75% | $1.4M | Q4 2023 |
| Washington · Heavy & Civil Engineering · Under $150K | 7(a) | 3 | P+3.75% | $33K | Q4 2023 |
| Washington · Physician & Dental Offices · $350K – $500K | 7(a) | 3 | P+3.00% | $420K | Q4 2011 |
| Washington · Other Repair & Services · Under $150K | 7(a) | 3 | P+2.75% | $68K | Q1 2025 |
| Washington · Restaurants & Food Service · $500K – $1M | 504 | 3 | — | $748K | Q2 2015 |
| Washington · Retail Trade · $150K – $350K | 7(a) | 3 | P+2.00% | $303K | Q3 2021 |
| Washington · Manufacturing · $350K – $500K | 7(a) | 2 | P+2.25% | $427K | Q3 2015 |
| Washington · Nursing & Residential Care · $2M – $5M | 7(a) | 2 | P+-0.38% | $2.2M | Q1 2023 |
| Washington · Auto Repair & Maintenance · $1M – $2M | 7(a) | 2 | P+1.13% | $1.6M | Q3 2023 |
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