GOOD
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
180
2010–2024
Total Volume
$71M
Gross loan amounts
States Active
7
With recorded loans
Programs
7(a)
180 total segments
Kinecta FCU focuses primarily on existing businesses, with 69% of their deals supporting acquisitions. This makes them a strong choice for buyers looking to purchase established companies.
With an average 7(a) spread of P+2.50%, Kinecta FCU 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.
Kinecta FCU has seen a significant decline in their lending activity, with a -38% year-over-year drop. This trend may indicate a tighter lending environment, making it potentially more challenging to secure a loan.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes.
States where Kinecta FCU has recorded SBA lending activity.
+ 2 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Retail Trade
Retail Trade
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Wholesale Trade
Wholesale Trade
Other Health Practitioners
Health Care & Social Assistance
Physician & Dental Offices
Health Care & Social Assistance
Food & Beverage Stores
Retail Trade
+ 7 more
All recorded SBA lending activity for Kinecta FCU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 10 | P+2.75% | $266K | Q3 2017 |
| California · Manufacturing · $150K – $350K | 7(a) | 9 | P+2.75% | $284K | Q3 2018 |
| California · Transportation & Warehousing · Under $150K | 7(a) | 6 | P+2.63% | $84K | Q2 2017 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+2.75% | $98K | Q3 2018 |
| California · Restaurants & Food Service · $350K – $500K | 7(a) | 5 | P+2.75% | $419K | Q3 2019 |
| California · Other Health Practitioners · Under $150K | 7(a) | 5 | P+2.75% | $115K | Q2 2019 |
| California · Manufacturing · Under $150K | 7(a) | 5 | P+2.75% | $100K | Q1 2021 |
| California · Physician & Dental Offices · $150K – $350K | 7(a) | 5 | P+2.75% | $280K | Q4 2019 |
| California · Wholesale Trade · $150K – $350K | 7(a) | 5 | P+2.75% | $319K | Q3 2019 |
| California · Wholesale Trade · Under $150K | 7(a) | 5 | P+2.75% | $120K | Q4 2018 |
| California · Retail Trade · Under $150K | 7(a) | 4 | P+2.75% | $77K | Q4 2017 |
| California · Auto Repair & Maintenance · Under $150K | 7(a) | 4 | P+2.50% | $75K | Q4 2014 |
| California · Food & Beverage Stores · $150K – $350K | 7(a) | 4 | P+2.75% | $294K | Q2 2018 |
| California · Arts, Entertainment & Recreation · Under $150K | 7(a) | 4 | P+2.75% | $100K | Q2 2022 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+2.50% | $723K | Q1 2018 |
| California · Management & IT Consulting · Under $150K | 7(a) | 3 | P+2.75% | $55K | Q4 2016 |
| California · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 3 | P+2.75% | $270K | Q3 2015 |
| California · Administrative & Waste Services · Under $150K | 7(a) | 3 | P+2.75% | $57K | Q1 2017 |
| California · Real Estate · $500K – $1M | 7(a) | 3 | P+2.00% | $796K | Q3 2019 |
| California · Finance & Insurance · Under $150K | 7(a) | 3 | P+1.75% | $133K | Q3 2015 |
| California · Manufacturing · $500K – $1M | 7(a) | 2 | P+2.50% | $698K | Q2 2015 |
| California · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+2.75% | $325K | Q2 2017 |
| California · Building Construction · Under $150K | 7(a) | 2 | P+2.75% | $80K | Q3 2018 |
| California · Building Construction · $150K – $350K | 7(a) | 2 | P+2.38% | $225K | Q4 2017 |
| California · Food & Beverage Stores · Under $150K | 7(a) | 2 | P+1.13% | $115K | Q3 2016 |
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Real experiences from borrowers who closed SBA loans with Kinecta FCU.
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