Gain FCU
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Gain FCU · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 541213 | Tax Preparation Services | 1 | $35K | $35K | 6.3% |
| 713990 | All Other Amusement and Recreation Industries | 1 | $120K | $120K | 6.3% |
| 312120 | Breweries | 1 | $400K | $400K | 6.3% |
| 488190 | Other Support Activities for Air Transportation | 1 | $215K | $215K | 6.3% |
| 722513 | Limited-Service Restaurants | 1 | $400K | $400K | 6.3% |
| 541940 | Veterinary Services | 1 | $105K | $105K | 6.3% |
| 311811 | Retail Bakeries | 1 | $225K | $225K | 6.3% |
| 339999 | All Other Miscellaneous Manufacturing | 1 | $152K | $152K | 6.3% |
| 423930 | Recyclable Material Merchant Wholesalers | 1 | $85K | $85K | 6.3% |
Geographic Distribution
SBA lending activity for Gain FCU by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 16 | $2.8M | 100.0% |
Why Choose Gain FCU?
Based on SBA 7(a) lending track record from 2008-2014
- ✓Proven Track Record: 16 SBA loans approved, totaling $2.8M in financing
- ✓Industry Expertise: Specialized focus on Tax Preparation Services, All Other Amusement and Recreation Industries, Breweries
- ✓Competitive Terms: Average interest rate of 5.82% with flexible term lengths averaging 81 months
- ✓Loan Range: Loan sizes from $35K to $400K, with an average of $173K
- ✓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 Gain FCU SBA lending
What types of businesses does Gain FCU typically finance?
Gain FCU specializes in SBA 7(a) lending to specific industries including tax preparation services, all other amusement and recreation industries, breweries, other support activities for air transportation. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Gain FCU's typical SBA loan terms?
Gain FCU's SBA 7(a) loans typically feature an average interest rate of 5.82% and average term length of 81 months (approximately 7 years). Loan sizes range from $35K to $400K, with an average loan size of $173K.
Do I need a business valuation for a Gain FCU SBA loan?
Yes, Gain FCU 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 Gain FCU compare to other SBA lenders?
Gain FCU has originated 16 SBA loans totaling $2.8M 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 Gain FCU lend in?
Gain FCU 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.
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