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
90
2010–2025
Total Volume
$39M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
90 total segments
Most active in Indiana (94% of deals) and focuses heavily on restaurants & food service (12% of deals).
With a median 7(a) spread of P + 2.59%, Three Rivers Federal Credit Union prices well above the national median of P + 2.00% — worth comparing against specialists in your industry.
90 SBA loans worth $38.7M since FY2010, with relatively steady volume year-over-year.
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 Three Rivers Federal 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
Other Health Practitioners
Health Care & Social Assistance
Manufacturing
Manufacturing
Hotels & Accommodation
Accommodation & Food Services
Real Estate
Real Estate
Auto Repair & Maintenance
Other Services
Building Construction
Construction
Retail Trade
Retail Trade
+ 7 more
All recorded SBA lending activity for Three Rivers Federal Credit Union, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Indiana · Restaurants & Food Service · Under $150K | 7(a) | 5 | P+3.50% | $66K | Q3 2014 |
| Indiana · Real Estate · Under $150K | 7(a) | 4 | P+2.63% | $114K | Q2 2015 |
| Indiana · Other Health Practitioners · Under $150K | 7(a) | 4 | P+3.00% | $66K | Q2 2024 |
| Indiana · Building Construction · Under $150K | 7(a) | 3 | P+2.00% | $67K | Q4 2019 |
| Indiana · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+2.50% | $232K | Q2 2023 |
| Indiana · Legal Services · Under $150K | 7(a) | 3 | P+2.75% | $33K | Q3 2017 |
| Indiana · Other Health Practitioners · Under $150K | 504 | 3 | — | $79K | Q4 2023 |
| Indiana · Manufacturing · Under $150K | 7(a) | 3 | P+3.00% | $65K | Q4 2015 |
| Indiana · Restaurants & Food Service · $350K – $500K | 7(a) | 2 | P+2.75% | $454K | Q3 2014 |
| Indiana · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+2.75% | $88K | Q2 2014 |
| Indiana · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+2.63% | $78K | Q1 2024 |
| Indiana · Auto Repair & Maintenance · $150K – $350K | 504 | 2 | — | $214K | Q4 2021 |
| Indiana · Food & Beverage Stores · $500K – $1M | 7(a) | 2 | P+2.75% | $573K | Q1 2017 |
| Indiana · Manufacturing · $150K – $350K | 7(a) | 2 | P+2.88% | $223K | Q3 2014 |
| Indiana · Hotels & Accommodation · $150K – $350K | 7(a) | 2 | P+2.75% | $240K | Q1 2014 |
| Indiana · Wholesale Trade · $1M – $2M | 7(a) | 2 | P+2.50% | $1.7M | Q4 2012 |
| Indiana · Hotels & Accommodation · $2M – $5M | 7(a) | 2 | P+2.25% | $4.6M | Q2 2016 |
| Indiana · Laundry & Dry Cleaning · $150K – $350K | 7(a) | 2 | P+2.75% | $271K | Q4 2018 |
| Indiana · Transportation & Warehousing · Under $150K | 7(a) | 2 | P+1.63% | $65K | Q1 2024 |
| Indiana · Finance & Insurance · Under $150K | 7(a) | 1 | P+2.50% | $97K | Q1 2015 |
| Indiana · Real Estate · $150K – $350K | 7(a) | 1 | P+2.50% | $232K | Q2 2011 |
| Indiana · Administrative & Waste Services · $150K – $350K | 7(a) | 1 | P+2.75% | $315K | Q4 2012 |
| Indiana · Arts, Entertainment & Recreation · $1M – $2M | 7(a) | 1 | P+4.00% | $1.9M | Q4 2010 |
| Ohio · Physician & Dental Offices · Under $150K | 7(a) | 1 | P+2.00% | $90K | Q4 2024 |
| Ohio · Hotels & Accommodation · $500K – $1M | 7(a) | 1 | P+1.00% | $912K | Q1 2020 |
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Real experiences from borrowers who closed SBA loans with Three Rivers Federal Credit Union.
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