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
104
2010–2025
Total Volume
$10M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
104 total segments
Vermont FCU focuses heavily on existing businesses, with 55% of their deals supporting established companies. This makes them a strong choice for borrowers looking to expand or refinance an existing operation.
The average spread for 7(a) loans at Vermont FCU is P+1.50%, which is significantly lower than the national median of P+2.75%. This competitive pricing can save borrowers money over the life of their loan.
Vermont FCU has a minimal 504 presence, with only 5 deals making up 5% of their total activity. If you're seeking a 504 loan, you might want to consider other lenders that specialize more in that area.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 5 504 loans, which use fixed SBA debenture rates.
States where Vermont FCU has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Retail Trade
Retail Trade
Wholesale Trade
Wholesale Trade
Personal Care (Salons, Spas)
Other Services
Administrative & Waste Services
Administrative & Waste Services
Other Repair & Services
Other Services
Auto Repair & Maintenance
Other Services
+ 7 more
All recorded SBA lending activity for Vermont FCU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Vermont · Manufacturing · Under $150K | 7(a) | 12 | P+2.13% | $51K | Q2 2017 |
| Vermont · Restaurants & Food Service · Under $150K | 7(a) | 11 | P+1.25% | $63K | Q1 2024 |
| Vermont · Retail Trade · Under $150K | 7(a) | 10 | P+1.75% | $50K | Q3 2023 |
| Vermont · Personal Care (Salons, Spas) · Under $150K | 7(a) | 6 | P+2.25% | $42K | Q4 2015 |
| Vermont · Administrative & Waste Services · Under $150K | 7(a) | 5 | P+1.00% | $32K | Q3 2024 |
| Vermont · Wholesale Trade · Under $150K | 7(a) | 5 | P+1.00% | $59K | Q4 2023 |
| Vermont · Miscellaneous Retail · Under $150K | 7(a) | 4 | P+1.25% | $41K | Q4 2023 |
| Vermont · Other Repair & Services · Under $150K | 7(a) | 4 | P+1.50% | $22K | Q1 2025 |
| Vermont · Agriculture & Forestry · Under $150K | 7(a) | 4 | P+1.38% | $20K | Q3 2016 |
| Vermont · Auto Repair & Maintenance · Under $150K | 7(a) | 3 | P+0.75% | $65K | Q2 2017 |
| Vermont · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+1.56% | $29K | Q3 2016 |
| Vermont · Food & Beverage Stores · Under $150K | 7(a) | 2 | P+1.44% | $90K | Q2 2014 |
| Vermont · General Merchandise · Under $150K | 7(a) | 2 | P+3.25% | $58K | Q3 2021 |
| Vermont · Other Professional Services · Under $150K | 7(a) | 2 | P+0.88% | $59K | Q1 2018 |
| Vermont · Physician & Dental Offices · Under $150K | 7(a) | 2 | P+-0.80% | $64K | Q2 2023 |
| Vermont · Other Health Practitioners · Under $150K | 7(a) | 2 | P+1.63% | $38K | Q1 2012 |
| Vermont · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+1.50% | $272K | Q2 2022 |
| Vermont · Auto Repair & Maintenance · $150K – $350K | 7(a) | 2 | P+2.25% | $204K | Q4 2012 |
| Vermont · Manufacturing · $150K – $350K | 7(a) | 2 | P+1.25% | $185K | Q3 2024 |
| Vermont · Retail Trade · $150K – $350K | 7(a) | 2 | P+1.75% | $205K | Q3 2023 |
| Vermont · Real Estate · Under $150K | 7(a) | 2 | P+0.63% | $136K | Q4 2017 |
| Vermont · Education · Under $150K | 7(a) | 2 | P+1.13% | $40K | Q3 2016 |
| Vermont · Wholesale Trade · $150K – $350K | 7(a) | 1 | P+2.00% | $300K | Q4 2021 |
| Vermont · Building Construction · $150K – $350K | 7(a) | 1 | P+2.75% | $169K | Q4 2010 |
| Vermont · Other Repair & Services · $350K – $500K | 504 | 1 | — | $353K | Q3 2021 |
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