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
111
2010–2026
Total Volume
$12M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a)
111 total segments
Heritage Family FCU focuses heavily on startups, with 61% of their 111 SBA deals going to new businesses. This makes them a great choice for first-time entrepreneurs.
With an average 7(a) spread of P+0.95%, Heritage Family FCU offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest.
Heritage Family FCU has seen a decline of 27% in their year-over-year deal volume, indicating they may be tightening their lending criteria. This could affect your chances of approval.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes.
States where Heritage Family 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
Specialty Trade Contractors
Construction
Transportation & Warehousing
Transportation & Warehousing
Administrative & Waste Services
Administrative & Waste Services
Manufacturing
Manufacturing
Food & Beverage Stores
Retail Trade
Building Construction
Construction
Auto Repair & Maintenance
Other Services
+ 7 more
All recorded SBA lending activity for Heritage Family FCU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Vermont · Restaurants & Food Service · Under $150K | 7(a) | 20 | P+1.25% | $65K | Q4 2025 |
| Vermont · Specialty Trade Contractors · Under $150K | 7(a) | 8 | P+1.25% | $59K | Q2 2024 |
| Vermont · Transportation & Warehousing · Under $150K | 7(a) | 8 | P+0.63% | $51K | Q1 2023 |
| Vermont · Administrative & Waste Services · Under $150K | 7(a) | 6 | P+1.63% | $57K | Q1 2025 |
| Vermont · Arts, Entertainment & Recreation · Under $150K | 7(a) | 4 | P+1.75% | $63K | Q2 2022 |
| Vermont · Education · Under $150K | 7(a) | 4 | P+3.00% | $44K | Q3 2010 |
| Vermont · Auto Repair & Maintenance · Under $150K | 7(a) | 4 | P+3.00% | $43K | Q1 2024 |
| Vermont · Manufacturing · $150K – $350K | 7(a) | 3 | P+-0.88% | $211K | Q4 2024 |
| Vermont · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+1.25% | $27K | Q2 2023 |
| Vermont · Miscellaneous Retail · Under $150K | 7(a) | 3 | P+1.25% | $55K | Q2 2023 |
| Vermont · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+-0.50% | $297K | Q1 2024 |
| Vermont · Building Construction · Under $150K | 7(a) | 3 | P+1.00% | $38K | Q2 2025 |
| Vermont · Hotels & Accommodation · Under $150K | 7(a) | 2 | P+0.25% | $100K | Q1 2022 |
| Vermont · Food & Beverage Stores · $150K – $350K | 7(a) | 2 | P+0.38% | $234K | Q2 2022 |
| Vermont · General Merchandise · $150K – $350K | 7(a) | 2 | P+2.25% | $182K | Q1 2021 |
| Vermont · Sporting Goods & Hobby · Under $150K | 7(a) | 2 | P+1.88% | $85K | Q1 2012 |
| Vermont · Physician & Dental Offices · Under $150K | 7(a) | 2 | P+3.50% | $85K | Q3 2010 |
| Vermont · Social Assistance · Under $150K | 7(a) | 2 | P+2.50% | $23K | Q3 2016 |
| Vermont · Hotels & Accommodation · $150K – $350K | 7(a) | 2 | P+0.86% | $263K | Q1 2019 |
| Vermont · Agriculture & Forestry · Under $150K | 7(a) | 2 | P+0.88% | $83K | Q2 2024 |
| Vermont · Manufacturing · Under $150K | 7(a) | 2 | P+-0.63% | $70K | Q4 2024 |
| Vermont · Wholesale Trade · Under $150K | 7(a) | 2 | P+1.00% | $63K | Q2 2023 |
| Vermont · Real Estate · Under $150K | 7(a) | 2 | P+1.00% | $74K | Q2 2023 |
| Vermont · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+-1.00% | $258K | Q3 2023 |
| Vermont · Food & Beverage Stores · Under $150K | 7(a) | 1 | P+-5.25% | $150K | Q4 2022 |
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Real experiences from borrowers who closed SBA loans with Heritage Family FCU.
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