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
187
2010–2025
Total Volume
$94M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
183 total segments
VyStar CU is a strong choice for real estate financing, with 92% of their SBA deals being 504 loans, significantly higher than the national average of 18%. This indicates a focus on helping businesses acquire property or equipment.
The average deal size at VyStar CU is $515,663, which suggests they are well-suited for medium-sized projects. If you're looking for a loan under $350K, you might find more options elsewhere, as 50 deals fall into that range.
VyStar CU has experienced a 17% decline in their lending volume year-over-year, which may indicate a tightening of their lending criteria. Borrowers should be prepared for potentially stricter approval processes.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 168 504 loans, which use fixed SBA debenture rates.
States where VYSTAR CU has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Auto Dealers & Parts
Retail Trade
Social Assistance
Health Care & Social Assistance
Other Health Practitioners
Health Care & Social Assistance
Specialty Trade Contractors
Construction
Other Repair & Services
Other Services
+ 7 more
All recorded SBA lending activity for VYSTAR CU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Florida · Restaurants & Food Service · $500K – $1M | 504 | 7 | — | $723K | Q1 2024 |
| Florida · Manufacturing · $150K – $350K | 504 | 6 | — | $248K | Q4 2022 |
| Florida · Other Health Practitioners · Under $150K | 504 | 5 | — | $119K | Q1 2024 |
| Florida · Manufacturing · $500K – $1M | 504 | 5 | — | $708K | Q3 2025 |
| Florida · Arts, Entertainment & Recreation · $500K – $1M | 504 | 5 | — | $731K | Q3 2021 |
| Florida · Auto Repair & Maintenance · $350K – $500K | 504 | 5 | — | $421K | Q1 2021 |
| Florida · Restaurants & Food Service · $150K – $350K | 504 | 5 | — | $199K | Q2 2023 |
| Florida · Social Assistance · $500K – $1M | 504 | 4 | — | $814K | Q2 2025 |
| Florida · Restaurants & Food Service · Under $150K | 504 | 4 | — | $113K | Q1 2022 |
| Florida · Other Repair & Services · Under $150K | 504 | 3 | — | $74K | Q1 2020 |
| Florida · Restaurants & Food Service · $350K – $500K | 504 | 3 | — | $439K | Q3 2021 |
| Florida · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+2.75% | $299K | Q3 2023 |
| Florida · Auto Dealers & Parts · $500K – $1M | 504 | 3 | — | $781K | Q3 2022 |
| Florida · Retail Trade · $150K – $350K | 504 | 3 | — | $293K | Q2 2021 |
| Florida · Specialty Trade Contractors · $350K – $500K | 504 | 3 | — | $380K | Q2 2025 |
| Florida · Restaurants & Food Service · $1M – $2M | 504 | 3 | — | $1.6M | Q1 2022 |
| Florida · Finance & Insurance · Under $150K | 504 | 3 | — | $104K | Q4 2018 |
| Florida · Legal Services · Under $150K | 504 | 3 | — | $88K | Q3 2020 |
| Florida · Specialty Trade Contractors · Under $150K | 504 | 3 | — | $120K | Q2 2021 |
| Florida · Auto Dealers & Parts · $1M – $2M | 504 | 3 | — | $1.7M | Q4 2020 |
| Florida · Social Assistance · Under $150K | 504 | 2 | — | $91K | Q4 2019 |
| Florida · Transportation & Warehousing · $500K – $1M | 504 | 2 | — | $690K | Q2 2023 |
| Florida · Physician & Dental Offices · $500K – $1M | 504 | 2 | — | $771K | Q2 2013 |
| Florida · Wholesale Trade · Under $150K | 504 | 2 | — | $97K | Q3 2020 |
| Florida · Personal Care (Salons, Spas) · Under $150K | 504 | 2 | — | $54K | Q3 2021 |
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