STRONG
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
52
2011–2025
Total Volume
$20M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
52 total segments
Most active in Iowa (62% of deals) and focuses heavily on restaurants & food service (27% of deals).
With a median 7(a) spread of P + 0.98%, IH Mississippi Valley Credit Union prices well below the national median of P + 2.00% — competitive pricing is a clear strength here.
30% of IH Mississippi Valley Credit Union'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 11 504 loans, which use fixed SBA debenture rates.
States where IH Mississippi Valley Credit Union has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Other Repair & Services
Other Services
Specialty Trade Contractors
Construction
Auto Repair & Maintenance
Other Services
Retail Trade
Retail Trade
Other Health Practitioners
Health Care & Social Assistance
Hotels & Accommodation
Accommodation & Food Services
+ 7 more
All recorded SBA lending activity for IH Mississippi Valley Credit Union, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Iowa · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+1.75% | $294K | Q4 2021 |
| Illinois · Manufacturing · Under $150K | 7(a) | 3 | P+1.75% | $74K | Q2 2020 |
| Iowa · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+0.75% | $710K | Q2 2021 |
| Illinois · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+1.13% | $234K | Q1 2021 |
| Illinois · Manufacturing · $350K – $500K | 7(a) | 2 | P+0.00% | $420K | Q3 2023 |
| Illinois · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+1.75% | $60K | Q4 2021 |
| Iowa · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+1.23% | $62K | Q4 2019 |
| Iowa · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+1.00% | $23K | Q4 2018 |
| Illinois · Manufacturing · $150K – $350K | 7(a) | 2 | P+1.13% | $275K | Q2 2022 |
| Iowa · Manufacturing · $500K – $1M | 7(a) | 1 | P+1.25% | $935K | Q4 2019 |
| Iowa · Retail Trade · Under $150K | 7(a) | 1 | P+0.75% | $100K | Q4 2021 |
| Iowa · Retail Trade · $150K – $350K | 7(a) | 1 | P+0.75% | $300K | Q4 2019 |
| Iowa · Retail Trade · $1M – $2M | 7(a) | 1 | P+0.75% | $1.2M | Q4 2019 |
| Iowa · Administrative & Waste Services · $150K – $350K | 7(a) | 1 | P+1.25% | $200K | Q4 2020 |
| Illinois · Other Health Practitioners · Under $150K | 7(a) | 1 | P+0.25% | $110K | Q3 2018 |
| Illinois · Restaurants & Food Service · Under $150K | 7(a) | 1 | P+1.00% | $104K | Q2 2019 |
| Illinois · Restaurants & Food Service · $500K – $1M | 7(a) | 1 | P+0.25% | $502K | Q1 2020 |
| Illinois · Manufacturing · $1M – $2M | 7(a) | 1 | P+1.00% | $1.9M | Q2 2020 |
| Illinois · Education · Under $150K | 7(a) | 1 | P+1.25% | $50K | Q4 2018 |
| Iowa · Other Repair & Services · $500K – $1M | 504 | 1 | — | $804K | Q4 2021 |
| Illinois · Hotels & Accommodation · $500K – $1M | 504 | 1 | — | $866K | Q1 2012 |
| Iowa · Other Health Practitioners · $150K – $350K | 504 | 1 | — | $281K | Q1 2025 |
| Illinois · Manufacturing · Under $150K | 504 | 1 | — | $103K | Q4 2023 |
| Iowa · Personal Care (Salons, Spas) · Under $150K | 504 | 1 | — | $143K | Q3 2022 |
| Iowa · Legal Services · Under $150K | 504 | 1 | — | $130K | Q3 2021 |
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