DFCU Financial
SBA 7(a) Lending Profile · FY 2024 analysis
Industry Focus
Top industries served by DFCU Financial
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 88 | $67.7M | $769K | 6.6% |
| 722511 | Full-Service Restaurants | 80 | $66.0M | $825K | 6.0% |
| 812990 | All Other Personal Services | 48 | $27.7M | $577K | 3.6% |
| 541611 | Administrative Management and General Management Consulting Services | 40 | $11.7M | $294K | 3.0% |
| 624410 | Child Day Care Services | 32 | $44.3M | $1.4M | 2.4% |
| 713990 | All Other Amusement and Recreation Industries | 32 | $49.3M | $1.5M | 2.4% |
| 621399 | Offices of All Other Miscellaneous Health Practitioners | 32 | $8.6M | $270K | 2.4% |
| 812310 | Coin-Operated Laundries and Drycleaners | 32 | $31.8M | $995K | 2.4% |
| 238210 | Electrical Contractors | 32 | $11.0M | $345K | 2.4% |
| 713910 | Golf Courses and Country Clubs | 32 | $34.5M | $1.1M | 2.4% |
Geographic Distribution
SBA lending activity for DFCU Financial by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Florida (FL) | 1,168 | $1.07B | 87.4% |
| Michigan (MI) | 168 | $115.9M | 12.6% |
Why Choose DFCU Financial?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 1,336 SBA loans approved, totaling $1.19B in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Full-Service Restaurants, All Other Personal Services
- ✓Competitive Terms: Average interest rate of 8.35% with flexible term lengths averaging 153 months
- ✓Loan Range: Loan sizes from $50K to $5.0M, with an average of $889K
- ✓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 limited-service restaurants, full-service restaurants, all other personal services, administrative management and general management consulting services. 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 8.35% and average term length of 153 months (approximately 13 years). Loan sizes range from $50K to $5.0M, with an average loan size of $889K.
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 1,336 SBA loans totaling $1.19B 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 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?
Professional valuations are often required for SBA loans over $250,000.
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