Genisys CU
SBA 7(a) Lending Profile · FY 2025 analysis
Industry Focus
Top industries served by Genisys CU
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 621111 | Offices of Physicians (except Mental Health Specialists) | 56 | $134.4M | $2.4M | 11.1% |
| 722511 | Full-Service Restaurants | 48 | $58.5M | $1.2M | 9.5% |
| 623312 | Homes for the Elderly | 40 | $79.1M | $2.0M | 7.9% |
| 811192 | Car Washes | 32 | $45.0M | $1.4M | 6.3% |
| 713990 | All Other Amusement and Recreation Industries | 24 | $46.5M | $1.9M | 4.8% |
| 721110 | Hotels (except Casino Hotels) and Motels | 24 | $84.7M | $3.5M | 4.8% |
| 325411 | Medicinal and Botanical Manufacturing | 24 | $43.6M | $1.8M | 4.8% |
| 722310 | Food Service Contractors | 16 | $70.4M | $4.4M | 3.2% |
| 722513 | Limited-Service Restaurants | 16 | $4.9M | $306K | 3.2% |
| 541380 | Testing Laboratories | 16 | $40.0M | $2.5M | 3.2% |
Geographic Distribution
SBA lending activity for Genisys CU by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Michigan (MI) | 176 | $174.9M | 34.9% |
| Texas (TX) | 56 | $147.8M | 11.1% |
| Arizona (AZ) | 40 | $116.3M | 7.9% |
| New York (NY) | 16 | $80.0M | 3.2% |
| Missouri (MO) | 24 | $78.6M | 4.8% |
| California (CA) | 48 | $70.1M | 9.5% |
| Virginia (VA) | 32 | $62.6M | 6.3% |
| Nevada (NV) | 32 | $55.3M | 6.3% |
| Tennessee (TN) | 8 | $39.1M | 1.6% |
| South Carolina (SC) | 8 | $33.1M | 1.6% |
| Maryland (MD) | 16 | $29.2M | 3.2% |
| Florida (FL) | 8 | $19.7M | 1.6% |
| Oklahoma (OK) | 8 | $12.8M | 1.6% |
| New Mexico (NM) | 8 | $12.7M | 1.6% |
| Illinois (IL) | 8 | $12.0M | 1.6% |
| Ohio (OH) | 8 | $11.2M | 1.6% |
| North Carolina (NC) | 8 | $4.4M | 1.6% |
Why Choose Genisys CU?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 504 SBA loans approved, totaling $959.8M in financing
- ✓Industry Expertise: Specialized focus on Offices of Physicians (except Mental Health Specialists), Full-Service Restaurants, Homes for the Elderly
- ✓Competitive Terms: Average interest rate of 7.63% with flexible term lengths averaging 190 months
- ✓Loan Range: Loan sizes from $75K to $5.0M, with an average of $1.9M
- ✓Nationwide Reach: Active lending in 17 states, with strong presence in MI, TX, 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 Genisys CU SBA lending
What types of businesses does Genisys CU typically finance?
Genisys CU specializes in SBA 7(a) lending to specific industries including offices of physicians (except mental health specialists), full-service restaurants, homes for the elderly, car washes. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Genisys CU's typical SBA loan terms?
Genisys CU's SBA 7(a) loans typically feature an average interest rate of 7.63% and average term length of 190 months (approximately 16 years). Loan sizes range from $75K to $5.0M, with an average loan size of $1.9M.
Do I need a business valuation for a Genisys CU SBA loan?
Yes, Genisys 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 Genisys CU compare to other SBA lenders?
Genisys CU has originated 504 SBA loans totaling $959.8M 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 Genisys CU lend in?
Genisys CU provides SBA 7(a) financing with particularly strong presence in MI, TX, CA, AZ, VA. 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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