Gesa CU
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Gesa CU
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 168 | $107.3M | $638K | 13.9% |
| 722513 | Limited-Service Restaurants | 168 | $83.7M | $498K | 13.9% |
| 623312 | Homes for the Elderly | 120 | $133.2M | $1.1M | 9.9% |
| 623990 | Other Residential Care Facilities | 56 | $66.3M | $1.2M | 4.6% |
| 457110 | Other | 40 | $59.3M | $1.5M | 3.3% |
| 445131 | Other | 40 | $57.6M | $1.4M | 3.3% |
| 624410 | Child Day Care Services | 32 | $38.8M | $1.2M | 2.6% |
| 442299 | All Other Home Furnishings Stores | 32 | $6.4M | $200K | 2.6% |
| 812990 | All Other Personal Services | 32 | $26.1M | $815K | 2.6% |
| 811111 | General Automotive Repair | 32 | $25.5M | $797K | 2.6% |
Geographic Distribution
SBA lending activity for Gesa CU by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Washington (WA) | 1,072 | $716.0M | 88.7% |
| Oregon (OR) | 112 | $72.8M | 9.3% |
| Idaho (ID) | 16 | $33.4M | 1.3% |
| California (CA) | 8 | $1.8M | 0.7% |
Why Choose Gesa CU?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 1,208 SBA loans approved, totaling $824.0M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Limited-Service Restaurants, Homes for the Elderly
- ✓Competitive Terms: Average interest rate of 9.54% with flexible term lengths averaging 175 months
- ✓Loan Range: Loan sizes from $30K to $3.6M, with an average of $682K
- ✓Nationwide Reach: Active lending in 4 states, with strong presence in WA, OR, ID
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 Gesa CU SBA lending
What types of businesses does Gesa CU typically finance?
Gesa CU specializes in SBA 7(a) lending to specific industries including full-service restaurants, limited-service restaurants, homes for the elderly, other residential care facilities. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Gesa CU's typical SBA loan terms?
Gesa CU's SBA 7(a) loans typically feature an average interest rate of 9.54% and average term length of 175 months (approximately 15 years). Loan sizes range from $30K to $3.6M, with an average loan size of $682K.
Do I need a business valuation for a Gesa CU SBA loan?
Yes, Gesa 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 Gesa CU compare to other SBA lenders?
Gesa CU has originated 1,208 SBA loans totaling $824.0M 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 Gesa CU lend in?
Gesa CU provides SBA 7(a) financing with particularly strong presence in WA, OR, ID, 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.