STRONG
How competitive are their spreads? Lower = better for you.
STRONG
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
717
2011–2026
Total Volume
$174M
Gross loan amounts
States Active
5
With recorded loans
Programs
7(a) & 504
717 total segments
Telhio Credit Union has a strong focus on existing businesses, with 56% of their deals going to this category. This is beneficial for established businesses looking for funding.
With an average 7(a) spread of P+2.09%, Telhio offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of the loan.
Telhio has seen a significant decline in their lending activity, with a 62% drop in deals year-over-year. This trend may indicate a tighter approval process for new borrowers.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 20 504 loans, which use fixed SBA debenture rates.
States where Telhio Credit Union Inc has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Transportation & Warehousing
Transportation & Warehousing
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Administrative & Waste Services
Administrative & Waste Services
Specialty Trade Contractors
Construction
Real Estate
Real Estate
Other Repair & Services
Other Services
Social Assistance
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Telhio Credit Union Inc, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Ohio · Transportation & Warehousing · Under $150K | 7(a) | 56 | P+2.74% | $58K | Q2 2025 |
| Ohio · Administrative & Waste Services · Under $150K | 7(a) | 41 | P+2.50% | $66K | Q1 2025 |
| Ohio · Manufacturing · Under $150K | 7(a) | 35 | P+2.00% | $73K | Q1 2025 |
| Ohio · Restaurants & Food Service · Under $150K | 7(a) | 35 | P+2.25% | $85K | Q2 2025 |
| Ohio · Management & IT Consulting · Under $150K | 7(a) | 24 | P+3.00% | $83K | Q2 2025 |
| Ohio · Other Repair & Services · Under $150K | 7(a) | 23 | P+2.25% | $54K | Q4 2025 |
| Ohio · Specialty Trade Contractors · Under $150K | 7(a) | 22 | P+2.25% | $88K | Q4 2024 |
| Ohio · Restaurants & Food Service · $150K – $350K | 7(a) | 20 | P+2.25% | $259K | Q2 2025 |
| Ohio · Other Health Practitioners · Under $150K | 7(a) | 19 | P+2.45% | $92K | Q3 2025 |
| Ohio · Arts, Entertainment & Recreation · Under $150K | 7(a) | 17 | P+2.50% | $73K | Q1 2025 |
| Ohio · Specialty Trade Contractors · $150K – $350K | 7(a) | 17 | P+2.00% | $263K | Q4 2025 |
| Ohio · Social Assistance · Under $150K | 7(a) | 16 | P+2.62% | $69K | Q2 2024 |
| Ohio · Manufacturing · $150K – $350K | 7(a) | 15 | P+2.00% | $258K | Q1 2024 |
| Ohio · Personal Care (Salons, Spas) · Under $150K | 7(a) | 15 | P+2.50% | $63K | Q2 2025 |
| Ohio · Real Estate · $150K – $350K | 7(a) | 14 | P+2.00% | $249K | Q2 2024 |
| Ohio · Building Construction · Under $150K | 7(a) | 14 | P+2.63% | $56K | Q2 2024 |
| Ohio · Real Estate · Under $150K | 7(a) | 13 | P+2.00% | $88K | Q2 2024 |
| Ohio · Retail Trade · Under $150K | 7(a) | 13 | P+2.50% | $74K | Q3 2020 |
| Ohio · Transportation & Warehousing · $150K – $350K | 7(a) | 12 | P+2.13% | $220K | Q1 2025 |
| Ohio · Social Assistance · $150K – $350K | 7(a) | 11 | P+2.25% | $275K | Q3 2024 |
| Ohio · Other Professional Services · Under $150K | 7(a) | 11 | P+2.00% | $58K | Q4 2025 |
| Ohio · Sporting Goods & Hobby · Under $150K | 7(a) | 10 | P+2.75% | $42K | Q4 2016 |
| Ohio · Miscellaneous Retail · Under $150K | 7(a) | 8 | P+2.63% | $61K | Q4 2024 |
| Ohio · General Merchandise · Under $150K | 7(a) | 8 | P+2.50% | $62K | Q1 2022 |
| Ohio · Food & Beverage Stores · Under $150K | 7(a) | 8 | P+2.50% | $72K | Q3 2025 |
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Real experiences from borrowers who closed SBA loans with Telhio Credit Union Inc.
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