Vision One CU
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Vision One CU · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 621320 | Offices of Optometrists | 226 | $61.8M | $273K | 98.7% |
| 621330 | Offices of Mental Health Practitioners (except Physicians) | 1 | $150K | $150K | 0.4% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 1 | $100K | $100K | 0.4% |
| 621310 | Offices of Chiropractors | 1 | $148K | $148K | 0.4% |
Geographic Distribution
SBA lending activity for Vision One CU by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 126 | $32.8M | 55.0% |
| Texas (TX) | 17 | $5.6M | 7.4% |
| Illinois (IL) | 7 | $2.3M | 3.1% |
| Florida (FL) | 9 | $1.9M | 3.9% |
| Washington (WA) | 5 | $1.7M | 2.2% |
| Colorado (CO) | 7 | $1.5M | 3.1% |
| Georgia (GA) | 2 | $1.3M | 0.9% |
| North Carolina (NC) | 4 | $1.2M | 1.7% |
| Massachusetts (MA) | 6 | $1.1M | 2.6% |
| Mississippi (MS) | 2 | $1.1M | 0.9% |
| New Jersey (NJ) | 3 | $1.1M | 1.3% |
| Arizona (AZ) | 3 | $1.0M | 1.3% |
| Oregon (OR) | 2 | $960K | 0.9% |
| Idaho (ID) | 4 | $830K | 1.7% |
| Utah (UT) | 2 | $818K | 0.9% |
| Kansas (KS) | 3 | $758K | 1.3% |
| New Hampshire (NH) | 3 | $695K | 1.3% |
| North Dakota (ND) | 1 | $607K | 0.4% |
| Ohio (OH) | 4 | $580K | 1.7% |
| Iowa (IA) | 3 | $580K | 1.3% |
| Indiana (IN) | 3 | $500K | 1.3% |
| Michigan (MI) | 2 | $490K | 0.9% |
| Arkansas (AR) | 1 | $385K | 0.4% |
| New York (NY) | 3 | $382K | 1.3% |
| Oklahoma (OK) | 1 | $350K | 0.4% |
| Nebraska (NE) | 1 | $350K | 0.4% |
| Pennsylvania (PA) | 1 | $270K | 0.4% |
| Wisconsin (WI) | 1 | $263K | 0.4% |
| Nevada (NV) | 1 | $245K | 0.4% |
| Wyoming (WY) | 1 | $224K | 0.4% |
| Alabama (AL) | 1 | $218K | 0.4% |
Why Choose Vision One CU?
Based on SBA 7(a) lending track record from 1999-2021
- ✓Proven Track Record: 229 SBA loans approved, totaling $62.2M in financing
- ✓Industry Expertise: Specialized focus on Offices of Optometrists, Offices of Mental Health Practitioners (except Physicians), Offices of Physicians (except Mental Health Specialists)
- ✓Competitive Terms: Average interest rate of 5.96% with flexible term lengths averaging 122 months
- ✓Loan Range: Loan sizes from $25K to $1.3M, with an average of $271K
- ✓Nationwide Reach: Active lending in 31 states, with strong presence in CA, TX, FL
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 Vision One CU SBA lending
What types of businesses does Vision One CU typically finance?
Vision One CU specializes in SBA 7(a) lending to specific industries including offices of optometrists, offices of mental health practitioners (except physicians), offices of physicians (except mental health specialists), offices of chiropractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Vision One CU's typical SBA loan terms?
Vision One CU's SBA 7(a) loans typically feature an average interest rate of 5.96% and average term length of 122 months (approximately 10 years). Loan sizes range from $25K to $1.3M, with an average loan size of $271K.
Do I need a business valuation for a Vision One CU SBA loan?
Yes, Vision One 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 Vision One CU compare to other SBA lenders?
Vision One CU has originated 229 SBA loans totaling $62.2M since 1999. 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 Vision One CU lend in?
Vision One CU provides SBA 7(a) financing with particularly strong presence in CA, TX, FL, IL, 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.
Get your certified valuation from Fair Market Value.