Valley Isle Community FCU
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Valley Isle Community FCU
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 812112 | Beauty Salons | 8 | $240K | $30K | 50.0% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 8 | $240K | $30K | 50.0% |
Geographic Distribution
SBA lending activity for Valley Isle Community FCU by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Hawaii (HI) | 16 | $480K | 100.0% |
Why Choose Valley Isle Community FCU?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 16 SBA loans approved, totaling $480K in financing
- ✓Industry Expertise: Specialized focus on Beauty Salons, Snack and Nonalcoholic Beverage Bars
- ✓Competitive Terms: Average interest rate of 14.00% with flexible term lengths averaging 120 months
- ✓Loan Range: Loan sizes from $30K to $30K, with an average of $30K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in HI
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 Isle Community FCU SBA lending
What types of businesses does Valley Isle Community FCU typically finance?
Valley Isle Community FCU specializes in SBA 7(a) lending to specific industries including beauty salons, snack and nonalcoholic beverage bars. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Valley Isle Community FCU's typical SBA loan terms?
Valley Isle Community FCU's SBA 7(a) loans typically feature an average interest rate of 14.00% and average term length of 120 months (approximately 10 years). Loan sizes range from $30K to $30K, with an average loan size of $30K.
Do I need a business valuation for a Valley Isle Community FCU SBA loan?
Yes, Valley Isle Community 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 Valley Isle Community FCU compare to other SBA lenders?
Valley Isle Community FCU has originated 16 SBA loans totaling $480K 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 Isle Community FCU lend in?
Valley Isle Community FCU provides SBA 7(a) financing with particularly strong presence in HI. 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.