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
288
2011–2026
Total Volume
$177M
Gross loan amounts
States Active
6
With recorded loans
Programs
7(a) & 504
288 total segments
iTHINK Financial CU has a strong focus on existing businesses, with 49% of their deals supporting established companies. This could be beneficial if you're looking to expand or refinance an existing operation.
With an average 7(a) spread of P+2.27%, iTHINK Financial CU offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
The lender's growth trend shows a decline of 38% year-over-year in deal volume, which may indicate a tightening of lending criteria. If you're considering applying, be prepared for potentially stricter approval processes.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 5 504 loans, which use fixed SBA debenture rates.
States where iTHINK Financial CU has recorded SBA lending activity.
+ 1 more state
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Hotels & Accommodation
Accommodation & Food Services
Transportation & Warehousing
Transportation & Warehousing
Auto Repair & Maintenance
Other Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Manufacturing
Manufacturing
Real Estate
Real Estate
Specialty Trade Contractors
Construction
+ 7 more
All recorded SBA lending activity for iTHINK Financial CU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Florida · Restaurants & Food Service · $500K – $1M | 7(a) | 8 | P+2.50% | $728K | Q4 2024 |
| Florida · Transportation & Warehousing · $500K – $1M | 7(a) | 8 | P+2.75% | $751K | Q3 2024 |
| Florida · Restaurants & Food Service · $150K – $350K | 7(a) | 8 | P+2.38% | $270K | Q2 2017 |
| Florida · Restaurants & Food Service · Under $150K | 7(a) | 7 | P+2.50% | $103K | Q1 2025 |
| Florida · Hotels & Accommodation · $500K – $1M | 7(a) | 7 | P+1.25% | $758K | Q2 2022 |
| Florida · Hotels & Accommodation · $1M – $2M | 7(a) | 6 | P+1.75% | $1.3M | Q2 2021 |
| Florida · Restaurants & Food Service · $1M – $2M | 7(a) | 6 | P+1.75% | $1.4M | Q4 2023 |
| Florida · Arts, Entertainment & Recreation · Under $150K | 7(a) | 6 | P+2.75% | $87K | Q4 2025 |
| Florida · Administrative & Waste Services · $150K – $350K | 7(a) | 5 | P+2.75% | $239K | Q4 2024 |
| Florida · Real Estate · $150K – $350K | 7(a) | 5 | P+2.25% | $236K | Q4 2025 |
| Florida · Real Estate · $500K – $1M | 7(a) | 5 | P+1.75% | $628K | Q3 2018 |
| Florida · Auto Repair & Maintenance · $500K – $1M | 7(a) | 5 | P+1.75% | $722K | Q3 2025 |
| Florida · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+2.13% | $243K | Q3 2019 |
| Florida · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 4 | P+2.75% | $207K | Q2 2021 |
| Florida · Hotels & Accommodation · $2M – $5M | 7(a) | 4 | P+1.13% | $2.9M | Q4 2021 |
| Florida · Transportation & Warehousing · $350K – $500K | 7(a) | 4 | P+2.63% | $437K | Q4 2023 |
| Florida · Specialty Trade Contractors · Under $150K | 7(a) | 4 | P+2.75% | $101K | Q3 2022 |
| Florida · Transportation & Warehousing · $150K – $350K | 7(a) | 4 | P+2.75% | $254K | Q2 2016 |
| Florida · Retail Trade · $150K – $350K | 7(a) | 4 | P+2.50% | $234K | Q1 2024 |
| Florida · Manufacturing · $150K – $350K | 7(a) | 4 | P+2.63% | $251K | Q3 2023 |
| Florida · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 4 | P+2.50% | $244K | Q3 2022 |
| Florida · Physician & Dental Offices · $150K – $350K | 7(a) | 3 | P+2.00% | $253K | Q3 2024 |
| Florida · Building Construction · $150K – $350K | 7(a) | 3 | P+2.50% | $253K | Q1 2020 |
| Florida · Food & Beverage Stores · $150K – $350K | 7(a) | 3 | P+2.50% | $263K | Q1 2012 |
| Florida · Miscellaneous Retail · Under $150K | 7(a) | 3 | P+2.75% | $68K | Q4 2024 |
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Real experiences from borrowers who closed SBA loans with iTHINK Financial CU.
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