Ventura County CU
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Ventura County CU
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 713940 | Fitness and Recreational Sports Centers | 8 | $9.6M | $1.2M | 20.0% |
| 722511 | Full-Service Restaurants | 8 | $10.4M | $1.3M | 20.0% |
| 812990 | All Other Personal Services | 8 | $2.1M | $258K | 20.0% |
| 541330 | Engineering Services | 8 | $5.9M | $740K | 20.0% |
| 562998 | All Other Miscellaneous Waste Management Services | 8 | $1.7M | $207K | 20.0% |
Geographic Distribution
SBA lending activity for Ventura County CU by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 40 | $29.6M | 100.0% |
Why Choose Ventura County CU?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 40 SBA loans approved, totaling $29.6M in financing
- ✓Industry Expertise: Specialized focus on Fitness and Recreational Sports Centers, Full-Service Restaurants, All Other Personal Services
- ✓Competitive Terms: Average interest rate of 6.50% with flexible term lengths averaging 144 months
- ✓Loan Range: Loan sizes from $207K to $1.3M, with an average of $741K
- ✓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 Ventura County CU SBA lending
What types of businesses does Ventura County CU typically finance?
Ventura County CU specializes in SBA 7(a) lending to specific industries including fitness and recreational sports centers, full-service restaurants, all other personal services, engineering services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Ventura County CU's typical SBA loan terms?
Ventura County CU's SBA 7(a) loans typically feature an average interest rate of 6.50% and average term length of 144 months (approximately 12 years). Loan sizes range from $207K to $1.3M, with an average loan size of $741K.
Do I need a business valuation for a Ventura County CU SBA loan?
Yes, Ventura County 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 Ventura County CU compare to other SBA lenders?
Ventura County CU has originated 40 SBA loans totaling $29.6M 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 Ventura County CU lend in?
Ventura County 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.