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
79
2014–2025
Total Volume
$19M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
79 total segments
Most active in South Dakota (86% of deals) and focuses heavily on specialty trade contractors (16% of deals).
With a median 7(a) spread of P + 1.10%, Highmark FCU prices well below the national median of P + 2.00% — competitive pricing is a clear strength here.
39% of Highmark FCU's SBA deals go to startups and new businesses — more startup-friendly than most SBA lenders, where existing businesses typically dominate.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 12 504 loans, which use fixed SBA debenture rates.
States where Highmark FCU has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Administrative & Waste Services
Administrative & Waste Services
Retail Trade
Retail Trade
Personal Care (Salons, Spas)
Other Services
Other Repair & Services
Other Services
Auto Repair & Maintenance
Other Services
+ 7 more
All recorded SBA lending activity for Highmark FCU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| South Dakota · Specialty Trade Contractors · Under $150K | 7(a) | 7 | P+2.00% | $69K | Q1 2024 |
| South Dakota · Manufacturing · Under $150K | 7(a) | 7 | P+0.78% | $97K | Q1 2025 |
| South Dakota · Administrative & Waste Services · Under $150K | 7(a) | 4 | P+1.51% | $46K | Q4 2021 |
| South Dakota · Personal Care (Salons, Spas) · Under $150K | 7(a) | 4 | P+1.16% | $35K | Q2 2023 |
| South Dakota · Retail Trade · Under $150K | 7(a) | 3 | P+0.58% | $131K | Q4 2021 |
| South Dakota · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+0.03% | $100K | Q1 2024 |
| South Dakota · Miscellaneous Retail · Under $150K | 7(a) | 3 | P+1.25% | $82K | Q2 2022 |
| South Dakota · Restaurants & Food Service · $150K – $350K | 504 | 2 | — | $217K | Q1 2020 |
| South Dakota · General Merchandise · Under $150K | 7(a) | 2 | P+2.25% | $123K | Q1 2017 |
| South Dakota · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+0.52% | $183K | Q2 2019 |
| South Dakota · Other Repair & Services · Under $150K | 7(a) | 2 | P+1.64% | $38K | Q4 2021 |
| Wyoming · Restaurants & Food Service · $500K – $1M | 7(a) | 2 | P+1.63% | $526K | Q4 2017 |
| Wyoming · Mining & Oil/Gas · Under $150K | 7(a) | 2 | P+0.50% | $88K | Q4 2023 |
| Wyoming · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+1.53% | $38K | Q1 2022 |
| South Dakota · Transportation & Warehousing · Under $150K | 7(a) | 2 | P+-0.13% | $79K | Q4 2022 |
| South Dakota · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+2.52% | $67K | Q2 2021 |
| South Dakota · Administrative & Waste Services · $1M – $2M | 7(a) | 1 | P+1.50% | $1.3M | Q2 2017 |
| South Dakota · Administrative & Waste Services · $500K – $1M | 7(a) | 1 | P+0.00% | $800K | Q3 2018 |
| Wyoming · Restaurants & Food Service · $350K – $500K | 7(a) | 1 | P+1.15% | $433K | Q4 2021 |
| Wyoming · Other Repair & Services · $500K – $1M | 7(a) | 1 | P+-0.75% | $862K | Q2 2024 |
| Wyoming · Retail Trade · $150K – $350K | 504 | 1 | — | $153K | Q2 2017 |
| South Dakota · Arts, Entertainment & Recreation · $2M – $5M | 504 | 1 | — | $2.3M | Q1 2025 |
| South Dakota · General Merchandise · Under $150K | 504 | 1 | — | $130K | Q4 2016 |
| South Dakota · Engineering & Architecture · Under $150K | 504 | 1 | — | $42K | Q1 2016 |
| South Dakota · Auto Dealers & Parts · $500K – $1M | 504 | 1 | — | $550K | Q2 2019 |
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