Tinker FCU
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Tinker FCU · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 3 | $1.1M | $358K | 18.8% |
| 811490 | Other Personal and Household Goods Repair and Maintenance | 3 | $915K | $305K | 18.8% |
| 238990 | All Other Specialty Trade Contractors | 2 | $310K | $155K | 12.5% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 2 | $393K | $197K | 12.5% |
| 424480 | Fresh Fruit and Vegetable Merchant Wholesalers | 1 | $100K | $100K | 6.3% |
| 812910 | Pet Care (except Veterinary) Services | 1 | $30K | $30K | 6.3% |
| 238190 | Other Foundation, Structure, and Building Exterior Contractors | 1 | $350K | $350K | 6.3% |
| 311520 | Ice Cream and Frozen Dessert Manufacturing | 1 | $200K | $200K | 6.3% |
| 459120 | Hobby, Toy, and Game Retailers | 1 | $100K | $100K | 6.3% |
| 459991 | Tobacco, Electronic Cigarette, and Other Smoking Supplies Retailers | 1 | $228K | $228K | 6.3% |
Geographic Distribution
SBA lending activity for Tinker FCU by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Oklahoma (OK) | 16 | $3.7M | 100.0% |
Why Choose Tinker FCU?
Based on SBA 7(a) lending track record from 2016-2024
- ✓Proven Track Record: 16 SBA loans approved, totaling $3.7M in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Other Personal and Household Goods Repair and Maintenance, All Other Specialty Trade Contractors
- ✓Competitive Terms: Average interest rate of 6.81% with flexible term lengths averaging 62 months
- ✓Loan Range: Loan sizes from $30K to $775K, with an average of $231K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in OK
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 Tinker FCU SBA lending
What types of businesses does Tinker FCU typically finance?
Tinker FCU specializes in SBA 7(a) lending to specific industries including limited-service restaurants, other personal and household goods repair and maintenance, all other specialty trade contractors, offices of physicians (except mental health specialists). They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Tinker FCU's typical SBA loan terms?
Tinker FCU's SBA 7(a) loans typically feature an average interest rate of 6.81% and average term length of 62 months (approximately 5 years). Loan sizes range from $30K to $775K, with an average loan size of $231K.
Do I need a business valuation for a Tinker FCU SBA loan?
Yes, Tinker 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 Tinker FCU compare to other SBA lenders?
Tinker FCU has originated 16 SBA loans totaling $3.7M since 2016. 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 Tinker FCU lend in?
Tinker FCU provides SBA 7(a) financing with particularly strong presence in OK. 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.
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