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
108
2011–2025
Total Volume
$12M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
108 total segments
Service FCU has a strong focus on existing businesses, with 82% of their deals serving this purpose. This makes them a suitable choice for established businesses looking for financing.
With an average 7(a) spread of P+0.47%, Service FCU offers significantly lower rates compared to the national median of P+2.75%. This could lead to substantial savings for borrowers.
Service FCU has seen a decline of 46% in their year-over-year deal volume, which may indicate a tightening of lending criteria. Borrowers should be prepared for potentially more rigorous approval processes.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 17 504 loans, which use fixed SBA debenture rates.
States where Service FCU has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Building Construction
Construction
Administrative & Waste Services
Administrative & Waste Services
Restaurants & Food Service
Accommodation & Food Services
Real Estate
Real Estate
Hotels & Accommodation
Accommodation & Food Services
Retail Trade
Retail Trade
Transportation & Warehousing
Transportation & Warehousing
+ 7 more
All recorded SBA lending activity for Service FCU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New Hampshire · Building Construction · Under $150K | 7(a) | 15 | P+-0.76% | $42K | Q2 2024 |
| New Hampshire · Specialty Trade Contractors · Under $150K | 7(a) | 15 | P+1.00% | $53K | Q4 2024 |
| New Hampshire · Administrative & Waste Services · Under $150K | 7(a) | 11 | P+1.00% | $56K | Q4 2024 |
| New Hampshire · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+1.57% | $52K | Q1 2025 |
| New Hampshire · Transportation & Warehousing · Under $150K | 7(a) | 4 | P+0.62% | $68K | Q4 2022 |
| New Hampshire · Real Estate · Under $150K | 7(a) | 3 | P+-0.76% | $29K | Q3 2023 |
| New Hampshire · Education · Under $150K | 7(a) | 3 | P+-0.76% | $29K | Q3 2023 |
| New Hampshire · Engineering & Architecture · Under $150K | 7(a) | 3 | P+0.99% | $32K | Q3 2024 |
| New Hampshire · Hotels & Accommodation · $150K – $350K | 504 | 3 | — | $270K | Q1 2021 |
| New Hampshire · Other Repair & Services · Under $150K | 7(a) | 2 | P+0.24% | $32K | Q3 2023 |
| New Hampshire · Retail Trade · Under $150K | 7(a) | 2 | P+-1.14% | $53K | Q3 2024 |
| Maine · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+0.24% | $58K | Q2 2024 |
| New Hampshire · Manufacturing · Under $150K | 7(a) | 2 | P+2.04% | $49K | Q4 2023 |
| New Hampshire · Wholesale Trade · Under $150K | 7(a) | 2 | P+1.38% | $90K | Q1 2022 |
| New Hampshire · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+0.00% | $249K | Q3 2024 |
| New Hampshire · Personal Care (Salons, Spas) · Under $150K | 7(a) | 2 | P+0.63% | $33K | Q1 2024 |
| Maine · Real Estate · $150K – $350K | 504 | 2 | — | $262K | Q2 2021 |
| Massachusetts · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+-1.39% | $62K | Q2 2025 |
| New Hampshire · Restaurants & Food Service · $150K – $350K | 504 | 1 | — | $217K | Q1 2016 |
| Maine · Specialty Trade Contractors · Under $150K | 504 | 1 | — | $82K | Q1 2017 |
| Maine · Hotels & Accommodation · $150K – $350K | 504 | 1 | — | $284K | Q1 2023 |
| New Hampshire · Finance & Insurance · $150K – $350K | 504 | 1 | — | $186K | Q2 2021 |
| New Hampshire · Gas Stations · $150K – $350K | 504 | 1 | — | $276K | Q4 2021 |
| New Hampshire · Physician & Dental Offices · Under $150K | 504 | 1 | — | $129K | Q4 2020 |
| New Hampshire · Restaurants & Food Service · $500K – $1M | 504 | 1 | — | $906K | Q2 2022 |
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