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
89
2012–2025
Total Volume
$42M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
89 total segments
Most active in Michigan (100% of deals) and focuses heavily on restaurants & food service (17% of deals).
48% of Kellogg Community CU's SBA deals go to startups and new businesses — more startup-friendly than most SBA lenders, where existing businesses typically dominate.
89 SBA loans worth $42.1M since FY2012, with relatively steady volume year-over-year.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 6 504 loans, which use fixed SBA debenture rates.
States where Kellogg Community 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
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Transportation & Warehousing
Transportation & Warehousing
Other Services
Other Services
Administrative & Waste Services
Administrative & Waste Services
Hotels & Accommodation
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
+ 7 more
All recorded SBA lending activity for Kellogg Community CU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Michigan · Restaurants & Food Service · Under $150K | 7(a) | 7 | P+2.00% | $83K | Q4 2023 |
| Michigan · Transportation & Warehousing · Under $150K | 7(a) | 5 | P+3.70% | $65K | Q1 2023 |
| Michigan · Specialty Trade Contractors · Under $150K | 7(a) | 5 | P+2.75% | $87K | Q3 2023 |
| Michigan · Manufacturing · Under $150K | 7(a) | 5 | P+2.70% | $76K | Q2 2021 |
| Michigan · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+2.75% | $211K | Q4 2021 |
| Michigan · Auto Repair & Maintenance · Under $150K | 7(a) | 3 | P+2.00% | $96K | Q1 2024 |
| Michigan · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+1.50% | $281K | Q2 2024 |
| Michigan · Administrative & Waste Services · Under $150K | 7(a) | 3 | P+-0.25% | $95K | Q1 2025 |
| Michigan · Hotels & Accommodation · $1M – $2M | 504 | 2 | — | $1.1M | Q1 2024 |
| Michigan · Manufacturing · $150K – $350K | 7(a) | 2 | P+2.98% | $257K | Q1 2021 |
| Michigan · Other Services · Under $150K | 7(a) | 2 | P+2.23% | $85K | Q3 2017 |
| Michigan · Restaurants & Food Service · $2M – $5M | 7(a) | 2 | P+2.63% | $4.6M | Q1 2022 |
| Michigan · Social Assistance · $150K – $350K | 7(a) | 2 | P+1.88% | $325K | Q1 2021 |
| Michigan · Arts, Entertainment & Recreation · $2M – $5M | 7(a) | 2 | P+1.38% | $3.4M | Q1 2020 |
| Michigan · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 2 | P+1.94% | $234K | Q3 2022 |
| Michigan · Building Construction · Under $150K | 7(a) | 2 | P+4.22% | $65K | Q4 2021 |
| Michigan · Other Professional Services · Under $150K | 7(a) | 2 | P+3.49% | $100K | Q1 2023 |
| Michigan · Other Repair & Services · Under $150K | 7(a) | 2 | P+2.25% | $112K | Q2 2023 |
| Michigan · Restaurants & Food Service · $500K – $1M | 7(a) | 1 | P+2.75% | $819K | Q4 2017 |
| Michigan · Auto Repair & Maintenance · $150K – $350K | 7(a) | 1 | P+4.69% | $205K | Q4 2014 |
| Michigan · Personal Care (Salons, Spas) · $350K – $500K | 7(a) | 1 | P+1.75% | $456K | Q4 2022 |
| Michigan · Agriculture & Forestry · Under $150K | 7(a) | 1 | P+3.75% | $35K | Q2 2016 |
| Michigan · Manufacturing · $1M – $2M | 7(a) | 1 | P+1.50% | $1.6M | Q1 2021 |
| Michigan · Retail Trade · Under $150K | 7(a) | 1 | P+2.50% | $150K | Q2 2016 |
| Michigan · Retail Trade · $350K – $500K | 7(a) | 1 | P+1.25% | $370K | Q3 2020 |
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