University FCU
SBA 7(a) Lending Profile · FY 2020 analysis
Industry Focus
Top industries served by University FCU
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 811111 | General Automotive Repair | 8 | $2.2M | $275K | 11.1% |
| 541310 | Architectural Services | 8 | $3.1M | $385K | 11.1% |
| 314999 | All Other Miscellaneous Textile Product Mills | 8 | $1.3M | $166K | 11.1% |
| 621310 | Offices of Chiropractors | 8 | $1.2M | $150K | 11.1% |
| 713990 | All Other Amusement and Recreation Industries | 8 | $2.4M | $294K | 11.1% |
| 541211 | Offices of Certified Public Accountants | 8 | $3.7M | $464K | 11.1% |
| 531390 | Other Activities Related to Real Estate | 8 | $4.9M | $612K | 11.1% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 8 | $2.1M | $257K | 11.1% |
| 333242 | Semiconductor Machinery Manufacturing | 8 | $4.8M | $600K | 11.1% |
Geographic Distribution
SBA lending activity for University FCU by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 72 | $25.6M | 100.0% |
Why Choose University FCU?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 72 SBA loans approved, totaling $25.6M in financing
- ✓Industry Expertise: Specialized focus on General Automotive Repair, Architectural Services, All Other Miscellaneous Textile Product Mills
- ✓Competitive Terms: Average interest rate of 6.47% with flexible term lengths averaging 112 months
- ✓Loan Range: Loan sizes from $150K to $612K, with an average of $356K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in TX
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 University FCU SBA lending
What types of businesses does University FCU typically finance?
University FCU specializes in SBA 7(a) lending to specific industries including general automotive repair, architectural services, all other miscellaneous textile product mills, offices of chiropractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are University FCU's typical SBA loan terms?
University FCU's SBA 7(a) loans typically feature an average interest rate of 6.47% and average term length of 112 months (approximately 9 years). Loan sizes range from $150K to $612K, with an average loan size of $356K.
Do I need a business valuation for a University FCU SBA loan?
Yes, University 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 University FCU compare to other SBA lenders?
University FCU has originated 72 SBA loans totaling $25.6M 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 University FCU lend in?
University FCU provides SBA 7(a) financing with particularly strong presence in TX. 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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