KEMBA Financial CU
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by KEMBA Financial CU
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 459110 | Other | 16 | $6.5M | $408K | 8.7% |
| 561730 | Landscaping Services | 16 | $14.6M | $910K | 8.7% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 16 | $1.0M | $65K | 8.7% |
| 444240 | Other | 16 | $3.4M | $210K | 8.7% |
| 561720 | Janitorial Services | 16 | $1.4M | $85K | 8.7% |
| 541110 | Offices of Lawyers | 16 | $20.0M | $1.3M | 8.7% |
| 441120 | Used Car Dealers | 8 | $1.6M | $200K | 4.3% |
| 624410 | Child Day Care Services | 8 | $1.9M | $243K | 4.3% |
| 722410 | Drinking Places (Alcoholic Beverages) | 8 | $4.0M | $500K | 4.3% |
| 336390 | Other Motor Vehicle Parts Manufacturing | 8 | $2.2M | $275K | 4.3% |
Geographic Distribution
SBA lending activity for KEMBA Financial CU by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Ohio (OH) | 168 | $60.6M | 91.3% |
| South Carolina (SC) | 16 | $6.5M | 8.7% |
Why Choose KEMBA Financial CU?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 184 SBA loans approved, totaling $67.2M in financing
- ✓Industry Expertise: Specialized focus on Other, Landscaping Services, Snack and Nonalcoholic Beverage Bars
- ✓Competitive Terms: Average interest rate of 7.55% with flexible term lengths averaging 120 months
- ✓Loan Range: Loan sizes from $10K to $2.2M, with an average of $365K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in OH, SC
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 KEMBA Financial CU SBA lending
What types of businesses does KEMBA Financial CU typically finance?
KEMBA Financial CU specializes in SBA 7(a) lending to specific industries including other, landscaping services, snack and nonalcoholic beverage bars, other. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are KEMBA Financial CU's typical SBA loan terms?
KEMBA Financial CU's SBA 7(a) loans typically feature an average interest rate of 7.55% and average term length of 120 months (approximately 10 years). Loan sizes range from $10K to $2.2M, with an average loan size of $365K.
Do I need a business valuation for a KEMBA Financial CU SBA loan?
Yes, KEMBA Financial 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 KEMBA Financial CU compare to other SBA lenders?
KEMBA Financial CU has originated 184 SBA loans totaling $67.2M 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 KEMBA Financial CU lend in?
KEMBA Financial CU provides SBA 7(a) financing with particularly strong presence in OH, SC. 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.