USC CU
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by USC CU · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 621340 | Offices of Physical, Occupational and Speech Therapists, and Audiologists | 4 | $1.8M | $456K | 15.4% |
| 541990 | All Other Professional, Scientific, and Technical Services | 3 | $590K | $197K | 11.5% |
| 713940 | Fitness and Recreational Sports Centers | 3 | $581K | $194K | 11.5% |
| 541110 | Offices of Lawyers | 2 | $260K | $130K | 7.7% |
| 424450 | Confectionery Merchant Wholesalers | 1 | $150K | $150K | 3.8% |
| 541211 | Offices of Certified Public Accountants | 1 | $318K | $318K | 3.8% |
| 624110 | Child and Youth Services | 1 | $100K | $100K | 3.8% |
| 621399 | Offices of All Other Miscellaneous Health Practitioners | 1 | $102K | $102K | 3.8% |
| 311919 | Other Snack Food Manufacturing | 1 | $51K | $51K | 3.8% |
| 541620 | Environmental Consulting Services | 1 | $51K | $51K | 3.8% |
Geographic Distribution
SBA lending activity for USC CU by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 25 | $6.1M | 96.2% |
| Colorado (CO) | 1 | $189K | 3.8% |
Why Choose USC CU?
Based on SBA 7(a) lending track record from 2009-2012
- ✓Proven Track Record: 26 SBA loans approved, totaling $6.2M in financing
- ✓Industry Expertise: Specialized focus on Offices of Physical, Occupational and Speech Therapists, and Audiologists, All Other Professional, Scientific, and Technical Services, Fitness and Recreational Sports Centers
- ✓Competitive Terms: Average interest rate of 6.02% with flexible term lengths averaging 112 months
- ✓Loan Range: Loan sizes from $10K to $1.5M, with an average of $240K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in CA, CO
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 USC CU SBA lending
What types of businesses does USC CU typically finance?
USC CU specializes in SBA 7(a) lending to specific industries including offices of physical, occupational and speech therapists, and audiologists, all other professional, scientific, and technical services, fitness and recreational sports centers, offices of lawyers. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are USC CU's typical SBA loan terms?
USC CU's SBA 7(a) loans typically feature an average interest rate of 6.02% and average term length of 112 months (approximately 9 years). Loan sizes range from $10K to $1.5M, with an average loan size of $240K.
Do I need a business valuation for a USC CU SBA loan?
Yes, USC 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 USC CU compare to other SBA lenders?
USC CU has originated 26 SBA loans totaling $6.2M since 2009. 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 USC CU lend in?
USC CU provides SBA 7(a) financing with particularly strong presence in CA, CO. 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?
Certified valuations are often required for SBA loans over $250,000.
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