E-Central CU
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by E-Central CU · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 238990 | All Other Specialty Trade Contractors | 2 | $45K | $23K | 18.2% |
| 326199 | All Other Plastics Product Manufacturing | 1 | $300K | $300K | 9.1% |
| 484121 | General Freight Trucking, Long-Distance, Truckload | 1 | $55K | $55K | 9.1% |
| 541810 | Advertising Agencies | 1 | $150K | $150K | 9.1% |
| 424210 | Drugs and Druggists' Sundries Merchant Wholesalers | 1 | $29K | $29K | 9.1% |
| 445291 | Baked Goods Retailers | 1 | $45K | $45K | 9.1% |
| 541330 | Engineering Services | 1 | $15K | $15K | 9.1% |
| 722410 | Drinking Places (Alcoholic Beverages) | 1 | $179K | $179K | 9.1% |
| 423990 | Other Miscellaneous Durable Goods Merchant Wholesalers | 1 | $150K | $150K | 9.1% |
Geographic Distribution
SBA lending activity for E-Central CU by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 11 | $1.7M | 100.0% |
Why Choose E-Central CU?
Based on SBA 7(a) lending track record from 2006-2019
- ✓Proven Track Record: 11 SBA loans approved, totaling $1.7M in financing
- ✓Industry Expertise: Specialized focus on All Other Specialty Trade Contractors, All Other Plastics Product Manufacturing, General Freight Trucking, Long-Distance, Truckload
- ✓Competitive Terms: Average interest rate of 6.81% with flexible term lengths averaging 84 months
- ✓Loan Range: Loan sizes from $15K to $700K, with an average of $152K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in CA
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 E-Central CU SBA lending
What types of businesses does E-Central CU typically finance?
E-Central CU specializes in SBA 7(a) lending to specific industries including all other specialty trade contractors, all other plastics product manufacturing, general freight trucking, long-distance, truckload, advertising agencies. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are E-Central CU's typical SBA loan terms?
E-Central CU's SBA 7(a) loans typically feature an average interest rate of 6.81% and average term length of 84 months (approximately 7 years). Loan sizes range from $15K to $700K, with an average loan size of $152K.
Do I need a business valuation for a E-Central CU SBA loan?
Yes, E-Central 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 E-Central CU compare to other SBA lenders?
E-Central CU has originated 11 SBA loans totaling $1.7M since 2006. 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 E-Central CU lend in?
E-Central CU provides SBA 7(a) financing with particularly strong presence in CA. 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.
Get your certified valuation from Fair Market Value.