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
408
2010–2025
Total Volume
$59M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
408 total segments
SAFE CU has a strong focus on existing businesses, with 92% of their deals serving this purpose. If you're an established business looking for funding, this lender is well-suited for you.
The average deal size at SAFE CU is $144,138, with a significant majority of deals (329) under $150K. If your funding needs are above this amount, you may want to consider other lenders.
With an 8% share of 504 loans, SAFE CU offers a balanced approach to SBA lending, but this is below the national average of 18%. If you're specifically looking for 504 loans, you may find more options elsewhere.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 32 504 loans, which use fixed SBA debenture rates.
States where SAFE CU has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Administrative & Waste Services
Administrative & Waste Services
Auto Repair & Maintenance
Other Services
Engineering & Architecture
Professional Services
Management & IT Consulting
Professional Services
Real Estate
Real Estate
Accounting & Tax
Professional Services
Building Construction
Construction
+ 7 more
All recorded SBA lending activity for SAFE CU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Specialty Trade Contractors · Under $150K | 7(a) | 51 | P+4.50% | $40K | Q4 2024 |
| California · Administrative & Waste Services · Under $150K | 7(a) | 29 | P+4.49% | $40K | Q4 2024 |
| California · Management & IT Consulting · Under $150K | 7(a) | 20 | P+4.49% | $39K | Q1 2020 |
| California · Auto Repair & Maintenance · Under $150K | 7(a) | 20 | P+4.50% | $37K | Q4 2022 |
| California · Engineering & Architecture · Under $150K | 7(a) | 18 | P+4.50% | $34K | Q3 2019 |
| California · Building Construction · Under $150K | 7(a) | 17 | P+4.25% | $37K | Q3 2021 |
| California · Accounting & Tax · Under $150K | 7(a) | 15 | P+4.50% | $44K | Q3 2018 |
| California · Manufacturing · Under $150K | 7(a) | 14 | P+4.50% | $42K | Q2 2018 |
| California · Retail Trade · Under $150K | 7(a) | 12 | P+4.49% | $38K | Q1 2016 |
| California · Transportation & Warehousing · Under $150K | 7(a) | 12 | P+4.12% | $30K | Q2 2017 |
| California · Auto Dealers & Parts · Under $150K | 7(a) | 11 | P+4.50% | $43K | Q1 2019 |
| California · Other Health Practitioners · Under $150K | 7(a) | 10 | P+3.77% | $46K | Q4 2021 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 9 | P+4.50% | $37K | Q2 2016 |
| California · Wholesale Trade · Under $150K | 7(a) | 8 | P+4.03% | $39K | Q1 2023 |
| California · Real Estate · Under $150K | 7(a) | 8 | P+3.63% | $51K | Q4 2017 |
| California · Physician & Dental Offices · Under $150K | 7(a) | 7 | P+4.46% | $41K | Q2 2017 |
| California · Finance & Insurance · Under $150K | 7(a) | 7 | P+4.50% | $37K | Q3 2018 |
| California · Other Repair & Services · Under $150K | 7(a) | 7 | P+4.47% | $43K | Q2 2024 |
| California · Education · Under $150K | 7(a) | 7 | P+3.25% | $34K | Q3 2016 |
| California · Auto Repair & Maintenance · $500K – $1M | 7(a) | 6 | P+1.73% | $669K | Q2 2022 |
| California · Miscellaneous Retail · Under $150K | 7(a) | 6 | P+5.97% | $24K | Q3 2017 |
| California · Information & Media · Under $150K | 7(a) | 5 | P+4.50% | $42K | Q4 2017 |
| California · Other Professional Services · Under $150K | 7(a) | 5 | P+4.25% | $40K | Q4 2019 |
| California · Personal Care (Salons, Spas) · Under $150K | 7(a) | 4 | P+4.47% | $21K | Q1 2017 |
| California · Legal Services · Under $150K | 7(a) | 4 | P+3.72% | $32K | Q1 2017 |
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Real experiences from borrowers who closed SBA loans with SAFE CU.
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