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
44
2010–2026
Total Volume
$16M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
44 total segments
Most active in Michigan (100% of deals) and focuses heavily on restaurants & food service (27% of deals).
With a median 7(a) spread of P + 0.84%, Michigan Schools and Government Credit Union prices well below the national median of P + 2.00% — competitive pricing is a clear strength here.
44% of Michigan Schools and Government 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 8 504 loans, which use fixed SBA debenture rates.
States where Michigan Schools and Government 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
Real Estate
Real Estate
Food & Beverage Stores
Retail Trade
Other Health Practitioners
Health Care & Social Assistance
Mining & Oil/Gas
Mining & Oil/Gas
Miscellaneous Retail
Retail Trade
Engineering & Architecture
Professional Services
Education
Education
+ 7 more
All recorded SBA lending activity for Michigan Schools and Government Credit Union, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Michigan · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+0.25% | $247K | Q4 2025 |
| Michigan · Restaurants & Food Service · Under $150K | 7(a) | 4 | P+1.38% | $68K | Q3 2025 |
| Michigan · Real Estate · $150K – $350K | 504 | 2 | — | $300K | Q3 2020 |
| Michigan · Engineering & Architecture · $150K – $350K | 7(a) | 2 | P+2.63% | $202K | Q2 2023 |
| Michigan · Other Repair & Services · $150K – $350K | 7(a) | 2 | P+1.88% | $188K | Q3 2025 |
| Michigan · Mining & Oil/Gas · Under $150K | 7(a) | 2 | P+2.88% | $70K | Q4 2010 |
| Michigan · Restaurants & Food Service · $500K – $1M | 7(a) | 2 | P+0.99% | $725K | Q3 2023 |
| Michigan · Other Health Practitioners · Under $150K | 7(a) | 2 | P+2.71% | $60K | Q4 2023 |
| Michigan · Food & Beverage Stores · $150K – $350K | 7(a) | 2 | P+1.88% | $228K | Q3 2025 |
| Michigan · Auto Repair & Maintenance · Under $150K | 7(a) | 1 | P+0.50% | $132K | Q1 2025 |
| Michigan · Laundry & Dry Cleaning · $350K – $500K | 7(a) | 1 | P+-0.25% | $405K | Q2 2025 |
| Michigan · Retail Trade · $350K – $500K | 7(a) | 1 | P+-0.50% | $400K | Q4 2022 |
| Michigan · Finance & Insurance · $150K – $350K | 7(a) | 1 | P+1.25% | $350K | Q1 2016 |
| Michigan · Real Estate · Under $150K | 7(a) | 1 | P+-0.75% | $135K | Q4 2022 |
| Michigan · Education · Under $150K | 7(a) | 1 | P+4.00% | $50K | Q1 2011 |
| Michigan · Arts, Entertainment & Recreation · $350K – $500K | 7(a) | 1 | P+-1.00% | $450K | Q2 2023 |
| Michigan · Restaurants & Food Service · $500K – $1M | 504 | 1 | — | $670K | Q4 2010 |
| Michigan · Auto Repair & Maintenance · $500K – $1M | 504 | 1 | — | $825K | Q4 2024 |
| Michigan · Manufacturing · $500K – $1M | 504 | 1 | — | $548K | Q1 2025 |
| Michigan · Real Estate · $1M – $2M | 504 | 1 | — | $1.1M | Q2 2020 |
| Michigan · Education · $500K – $1M | 504 | 1 | — | $672K | Q4 2013 |
| Michigan · Specialty Trade Contractors · $150K – $350K | 7(a) | 1 | P+0.75% | $248K | Q3 2025 |
| Michigan · Specialty Trade Contractors · $150K – $350K | 504 | 1 | — | $344K | Q4 2021 |
| Michigan · Building Construction · Under $150K | 7(a) | 1 | P+1.00% | $40K | Q2 2025 |
| Michigan · Auto Dealers & Parts · $150K – $350K | 7(a) | 1 | P+-0.25% | $279K | Q2 2023 |
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