First U.S. Community CU
SBA 7(a) Lending Profile · FY 2022 analysis
Industry Focus
Top industries served by First U.S. Community CU
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 445120 | Convenience Stores | 16 | $6.3M | $394K | 9.5% |
| 541410 | Interior Design Services | 16 | $3.3M | $205K | 9.5% |
| 337110 | Wood Kitchen Cabinet and Countertop Manufacturing | 16 | $6.3M | $396K | 9.5% |
| 722511 | Full-Service Restaurants | 16 | $15.9M | $997K | 9.5% |
| 811310 | Commercial and Industrial Machinery and Equipment (except Automotive a | 8 | $800K | $100K | 4.8% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 8 | $880K | $110K | 4.8% |
| 621340 | Offices of Physical, Occupational and Speech Therapists, and Audiologi | 8 | $600K | $75K | 4.8% |
| 811192 | Car Washes | 8 | $3.8M | $480K | 4.8% |
| 541320 | Landscape Architectural Services | 8 | $800K | $100K | 4.8% |
| 459910 | Other | 8 | $2.0M | $250K | 4.8% |
Geographic Distribution
SBA lending activity for First U.S. Community CU by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 168 | $54.1M | 100.0% |
Why Choose First U.S. Community CU?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 168 SBA loans approved, totaling $54.1M in financing
- ✓Industry Expertise: Specialized focus on Convenience Stores, Interior Design Services, Wood Kitchen Cabinet and Countertop Manufacturing
- ✓Competitive Terms: Average interest rate of 7.62% with flexible term lengths averaging 169 months
- ✓Loan Range: Loan sizes from $34K to $1.5M, with an average of $322K
- ✓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 First U.S. Community CU SBA lending
What types of businesses does First U.S. Community CU typically finance?
First U.S. Community CU specializes in SBA 7(a) lending to specific industries including convenience stores, interior design services, wood kitchen cabinet and countertop manufacturing, full-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are First U.S. Community CU's typical SBA loan terms?
First U.S. Community CU's SBA 7(a) loans typically feature an average interest rate of 7.62% and average term length of 169 months (approximately 14 years). Loan sizes range from $34K to $1.5M, with an average loan size of $322K.
Do I need a business valuation for a First U.S. Community CU SBA loan?
Yes, First U.S. Community 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 First U.S. Community CU compare to other SBA lenders?
First U.S. Community CU has originated 168 SBA loans totaling $54.1M 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 First U.S. Community CU lend in?
First U.S. Community 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?
Professional valuations are often required for SBA loans over $250,000.
Get your certified valuation from Fair Market Value.