DFCU Financial
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by DFCU Financial · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 14 | $10.0M | $716K | 6.8% |
| 722513 | Limited-Service Restaurants | 12 | $10.3M | $858K | 5.8% |
| 812990 | All Other Personal Services | 6 | $3.5M | $577K | 2.9% |
| 811192 | Car Washes | 5 | $4.0M | $810K | 2.4% |
| 624410 | Child Care Services | 5 | $8.0M | $1.6M | 2.4% |
| 541611 | Administrative Management and General Management Consulting Services | 5 | $1.5M | $294K | 2.4% |
| 721110 | Hotels (except Casino Hotels) and Motels | 5 | $11.0M | $2.2M | 2.4% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 4 | $1.5M | $369K | 1.9% |
| 541211 | Offices of Certified Public Accountants | 4 | $950K | $237K | 1.9% |
| 812310 | Coin-Operated Laundries and Drycleaners | 4 | $4.0M | $995K | 1.9% |
Geographic Distribution
SBA lending activity for DFCU Financial by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Florida (FL) | 185 | $169.6M | 89.4% |
| Michigan (MI) | 22 | $13.6M | 10.6% |
Why Choose DFCU Financial?
Based on SBA 7(a) lending track record from 2008-2025
- ✓Proven Track Record: 207 SBA loans approved, totaling $183.2M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Limited-Service Restaurants, All Other Personal Services
- ✓Competitive Terms: Average interest rate of 8.02% with flexible term lengths averaging 154 months
- ✓Loan Range: Loan sizes from $25K to $5.0M, with an average of $885K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in FL, MI
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 DFCU Financial SBA lending
What types of businesses does DFCU Financial typically finance?
DFCU Financial specializes in SBA 7(a) lending to specific industries including full-service restaurants, limited-service restaurants, all other personal services, car washes. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are DFCU Financial's typical SBA loan terms?
DFCU Financial's SBA 7(a) loans typically feature an average interest rate of 8.02% and average term length of 154 months (approximately 13 years). Loan sizes range from $25K to $5.0M, with an average loan size of $885K.
Do I need a business valuation for a DFCU Financial SBA loan?
Yes, DFCU Financial 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 DFCU Financial compare to other SBA lenders?
DFCU Financial has originated 207 SBA loans totaling $183.2M since 2008. 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 DFCU Financial lend in?
DFCU Financial provides SBA 7(a) financing with particularly strong presence in FL, MI. 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?
Certified valuations are often required for SBA loans over $250,000.
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