Valley First CU
SBA 7(a) Lending Profile · FY 2022 analysis
Industry Focus
Top industries served by Valley First CU
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 113110 | Timber Tract Operations | 24 | $35.8M | $1.5M | 13.6% |
| 713940 | Fitness and Recreational Sports Centers | 16 | $4.5M | $281K | 9.1% |
| 221310 | Water Supply and Irrigation Systems | 16 | $4.2M | $265K | 9.1% |
| 811490 | Other Personal and Household Goods Repair and Maintenance | 16 | $1.9M | $117K | 9.1% |
| 541613 | Marketing Consulting Services | 8 | $800K | $100K | 4.5% |
| 812112 | Beauty Salons | 8 | $496K | $62K | 4.5% |
| 621310 | Offices of Chiropractors | 8 | $1.6M | $201K | 4.5% |
| 311919 | Other Snack Food Manufacturing | 8 | $2.8M | $350K | 4.5% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 8 | $2.3M | $285K | 4.5% |
| 423920 | Toy and Hobby Goods and Supplies Merchant Wholesalers | 8 | $240K | $30K | 4.5% |
Geographic Distribution
SBA lending activity for Valley First CU by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 176 | $71.8M | 100.0% |
Why Choose Valley First CU?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 176 SBA loans approved, totaling $71.8M in financing
- ✓Industry Expertise: Specialized focus on Timber Tract Operations, Fitness and Recreational Sports Centers, Water Supply and Irrigation Systems
- ✓Competitive Terms: Average interest rate of 8.14% with flexible term lengths averaging 155 months
- ✓Loan Range: Loan sizes from $30K to $2.7M, with an average of $408K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in CA
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 Valley First CU SBA lending
What types of businesses does Valley First CU typically finance?
Valley First CU specializes in SBA 7(a) lending to specific industries including timber tract operations, fitness and recreational sports centers, water supply and irrigation systems, other personal and household goods repair and maintenance. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Valley First CU's typical SBA loan terms?
Valley First CU's SBA 7(a) loans typically feature an average interest rate of 8.14% and average term length of 155 months (approximately 13 years). Loan sizes range from $30K to $2.7M, with an average loan size of $408K.
Do I need a business valuation for a Valley First CU SBA loan?
Yes, Valley First 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 Valley First CU compare to other SBA lenders?
Valley First CU has originated 176 SBA loans totaling $71.8M 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 Valley First CU lend in?
Valley First CU provides SBA 7(a) financing with particularly strong presence in 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.