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.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
212
2010–2026
Total Volume
$131M
Gross loan amounts
States Active
19
With recorded loans
Programs
7(a) & 504
212 total segments
United FCU has a balanced approach to lending, with 37% of deals focused on acquisitions and 34% on startups. This mix indicates they cater well to both established businesses and new ventures, making them a versatile choice for various borrowers.
With an average 7(a) spread of P+2.06%, United FCU offers competitive pricing compared to the national median of P+2.75%. This could lead to significant savings over the life of the loan, especially for larger amounts.
United FCU's growth trend shows a remarkable 367% increase in deals year-over-year. This rapid expansion suggests they are actively seeking new borrowers and may be more flexible in their lending criteria, which could benefit you as a potential borrower.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 34 504 loans, which use fixed SBA debenture rates.
Top 15 of 19 states where United FCU has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
Manufacturing
Manufacturing
Hotels & Accommodation
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
Retail Trade
Retail Trade
Other Health Practitioners
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for United FCU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Michigan · Food & Beverage Stores · $1M – $2M | 7(a) | 7 | P+2.75% | $1.2M | Q4 2025 |
| Michigan · Restaurants & Food Service · $500K – $1M | 7(a) | 6 | P+2.38% | $692K | Q3 2025 |
| Michigan · Manufacturing · Under $150K | 7(a) | 6 | P+2.68% | $81K | Q2 2019 |
| Michigan · Restaurants & Food Service · $150K – $350K | 7(a) | 6 | P+2.38% | $215K | Q2 2022 |
| Nevada · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+1.90% | $104K | Q1 2020 |
| Michigan · Food & Beverage Stores · $500K – $1M | 7(a) | 5 | P+2.50% | $766K | Q4 2025 |
| Indiana · Manufacturing · Under $150K | 7(a) | 5 | P+2.75% | $113K | Q3 2017 |
| Michigan · Auto Repair & Maintenance · $150K – $350K | 7(a) | 4 | P+2.75% | $209K | Q3 2025 |
| Indiana · Manufacturing · $350K – $500K | 7(a) | 3 | P+2.41% | $439K | Q1 2013 |
| Michigan · Other Repair & Services · Under $150K | 7(a) | 3 | P+1.88% | $80K | Q1 2017 |
| Texas · Hotels & Accommodation · $2M – $5M | 7(a) | 3 | P+1.25% | $3.4M | Q2 2025 |
| North Carolina · Hotels & Accommodation · $2M – $5M | 7(a) | 2 | P+1.00% | $4.0M | Q2 2025 |
| North Carolina · Retail Trade · $150K – $350K | 7(a) | 2 | P+2.50% | $283K | Q2 2025 |
| Michigan · Manufacturing · $150K – $350K | 7(a) | 2 | P+1.88% | $223K | Q2 2019 |
| Michigan · Food & Beverage Stores · Under $150K | 7(a) | 2 | P+2.75% | $61K | Q4 2015 |
| Michigan · Manufacturing · $2M – $5M | 7(a) | 2 | P+1.30% | $2.3M | Q1 2022 |
| Michigan · Food & Beverage Stores · $150K – $350K | 7(a) | 2 | P+2.63% | $307K | Q4 2025 |
| Michigan · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+2.73% | $105K | Q2 2018 |
| Nevada · Building Construction · $150K – $350K | 7(a) | 2 | P+2.02% | $250K | Q4 2024 |
| Michigan · Food & Beverage Stores · $350K – $500K | 7(a) | 2 | P+2.75% | $386K | Q4 2024 |
| Nevada · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+1.79% | $239K | Q4 2020 |
| Nevada · Personal Care (Salons, Spas) · Under $150K | 7(a) | 2 | P+1.69% | $113K | Q4 2017 |
| Michigan · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+2.81% | $253K | Q1 2025 |
| Michigan · Arts, Entertainment & Recreation · Under $150K | 7(a) | 2 | P+3.38% | $77K | Q3 2015 |
| Nevada · Food & Beverage Stores · $150K – $350K | 504 | 2 | — | $325K | Q3 2022 |
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