Valley First Federal Credit Union
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Valley First Federal Credit Union · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 113110 | Timber Tract Operations | 3 | $4.5M | $1.5M | 13.6% |
| 713940 | Fitness and Recreational Sports Centers | 2 | $563K | $281K | 9.1% |
| 221310 | Water Supply and Irrigation Systems | 2 | $529K | $265K | 9.1% |
| 811490 | Other Personal and Household Goods Repair and Maintenance | 2 | $233K | $117K | 9.1% |
| 484121 | General Freight Trucking, Long-Distance, Truckload | 1 | $120K | $120K | 4.5% |
| 423920 | Toy and Hobby Goods and Supplies Merchant Wholesalers | 1 | $30K | $30K | 4.5% |
| 722513 | Limited-Service Restaurants | 1 | $755K | $755K | 4.5% |
| 531390 | Other Activities Related to Real Estate | 1 | $540K | $540K | 4.5% |
| 561599 | All Other Travel Arrangement and Reservation Services | 1 | $54K | $54K | 4.5% |
| 522310 | Mortgage and Nonmortgage Loan Brokers | 1 | $446K | $446K | 4.5% |
Geographic Distribution
SBA lending activity for Valley First Federal Credit Union by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 22 | $9.0M | 100.0% |
Why Choose Valley First Federal Credit Union?
Based on SBA 7(a) lending track record from 2022-2025
- ✓Proven Track Record: 22 SBA loans approved, totaling $9.0M 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 Federal Credit Union SBA lending
What types of businesses does Valley First Federal Credit Union typically finance?
Valley First Federal Credit Union 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 Federal Credit Union's typical SBA loan terms?
Valley First Federal Credit Union'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 Federal Credit Union SBA loan?
Yes, Valley First Federal Credit Union 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 Federal Credit Union compare to other SBA lenders?
Valley First Federal Credit Union has originated 22 SBA loans totaling $9.0M since 2022. 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 Federal Credit Union lend in?
Valley First Federal Credit Union 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?
Certified valuations are often required for SBA loans over $250,000.
Get your certified valuation from Fair Market Value.