Capital CU
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by Capital CU
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722515 | Snack and Nonalcoholic Beverage Bars | 24 | $2.3M | $97K | 9.4% |
| 624410 | Child Day Care Services | 16 | $979K | $61K | 6.3% |
| 238110 | Poured Concrete Foundation and Structure Contractors | 16 | $584K | $37K | 6.3% |
| 484110 | General Freight Trucking, Local | 16 | $1.1M | $67K | 6.3% |
| 492110 | Couriers | 8 | $2.2M | $277K | 3.1% |
| 722513 | Limited-Service Restaurants | 8 | $3.4M | $424K | 3.1% |
| 811121 | Automotive Body, Paint, and Interior Repair and Maintenance | 8 | $2.9M | $360K | 3.1% |
| 812910 | Pet Care (except Veterinary) Services | 8 | $984K | $123K | 3.1% |
| 561320 | Temporary Help Services | 8 | $6.0M | $750K | 3.1% |
| 484220 | Specialized Freight (except Used Goods) Trucking, Local | 8 | $320K | $40K | 3.1% |
Geographic Distribution
SBA lending activity for Capital CU by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Minnesota (MN) | 32 | $40.0M | 12.5% |
| North Dakota (ND) | 216 | $32.8M | 84.4% |
| Florida (FL) | 8 | $6.0M | 3.1% |
Why Choose Capital CU?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 256 SBA loans approved, totaling $78.9M in financing
- ✓Industry Expertise: Specialized focus on Snack and Nonalcoholic Beverage Bars, Child Day Care Services, Poured Concrete Foundation and Structure Contractors
- ✓Competitive Terms: Average interest rate of 6.40% with flexible term lengths averaging 72 months
- ✓Loan Range: Loan sizes from $23K to $4.8M, with an average of $308K
- ✓Nationwide Reach: Active lending in 3 states, with strong presence in ND, MN, FL
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about Capital CU SBA lending
What types of businesses does Capital CU typically finance?
Capital CU specializes in SBA 7(a) lending to specific industries including snack and nonalcoholic beverage bars, child day care services, poured concrete foundation and structure contractors, general freight trucking, local. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Capital CU's typical SBA loan terms?
Capital CU's SBA 7(a) loans typically feature an average interest rate of 6.40% and average term length of 72 months (approximately 6 years). Loan sizes range from $23K to $4.8M, with an average loan size of $308K.
Do I need a business valuation for a Capital CU SBA loan?
Yes, Capital CU typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does Capital CU compare to other SBA lenders?
Capital CU has originated 256 SBA loans totaling $78.9M since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does Capital CU lend in?
Capital CU provides SBA 7(a) financing with particularly strong presence in ND, MN, FL. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Professional valuations are often required for SBA loans over $250,000.
Get your certified valuation from Fair Market Value.